diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContent.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContent.kt
index 1a51323a4d..5ae70a7d4b 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContent.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContent.kt
@@ -1,5 +1,6 @@
 package com.afternote.feature.setting.presentation.account
 
+import androidx.compose.foundation.layout.Box
 import androidx.compose.foundation.layout.Column
 import androidx.compose.foundation.layout.Spacer
 import androidx.compose.foundation.layout.fillMaxSize
@@ -14,10 +15,12 @@ import androidx.compose.ui.Modifier
 import androidx.compose.ui.graphics.Color
 import androidx.compose.ui.res.stringResource
 import androidx.compose.ui.unit.dp
+import com.afternote.core.ui.loading.LoadingBody
 import com.afternote.core.ui.theme.AfternoteDesign
 import com.afternote.core.ui.topbar.DetailTopBar
 import com.afternote.feature.setting.presentation.R
 import com.afternote.feature.setting.presentation.account.component.SocialAccountRow
+import com.afternote.feature.setting.presentation.shared.component.SettingLoadErrorContent
 
 /**
  * 연결된 계정 화면의 상태 없는 본문.
@@ -30,6 +33,7 @@ internal fun ConnectedAccountsContent(
     snackbarHostState: SnackbarHostState,
     onBack: () -> Unit,
     onToggle: (provider: String, enabled: Boolean) -> Unit,
+    onRetry: () -> Unit,
     modifier: Modifier = Modifier,
 ) {
     Scaffold(
@@ -43,30 +47,46 @@ internal fun ConnectedAccountsContent(
             )
         },
     ) { paddingValues ->
-        Column(
-            modifier =
-                Modifier
-                    .fillMaxSize()
-                    .padding(paddingValues)
-                    .padding(horizontal = 20.dp, vertical = 16.dp),
-        ) {
-            Text(
-                text = stringResource(R.string.setting_sns_login_section_title),
-                style = AfternoteDesign.typography.bodyLargeR,
-            )
-            Spacer(modifier = Modifier.height(4.dp))
-            Text(
-                text = stringResource(R.string.setting_sns_login_section_desc),
-                style = AfternoteDesign.typography.bodySmallR,
-            )
-            Spacer(modifier = Modifier.height(24.dp))
+        when {
+            uiState.isLoading -> {
+                LoadingBody(modifier = Modifier.padding(paddingValues))
+            }
 
-            uiState.accounts.forEach { account ->
-                SocialAccountRow(
-                    account = account,
-                    onToggle = { enabled -> onToggle(account.provider, enabled) },
+            uiState.errorMessage != null -> {
+                SettingLoadErrorContent(
+                    message = uiState.errorMessage,
+                    onRetry = onRetry,
+                    modifier = Modifier.padding(paddingValues),
                 )
-                Spacer(modifier = Modifier.height(8.dp))
+            }
+
+            else -> {
+                Column(
+                    modifier =
+                        Modifier
+                            .fillMaxSize()
+                            .padding(paddingValues)
+                            .padding(horizontal = 20.dp, vertical = 16.dp),
+                ) {
+                    Text(
+                        text = stringResource(R.string.setting_sns_login_section_title),
+                        style = AfternoteDesign.typography.bodyLargeR,
+                    )
+                    Spacer(modifier = Modifier.height(4.dp))
+                    Text(
+                        text = stringResource(R.string.setting_sns_login_section_desc),
+                        style = AfternoteDesign.typography.bodySmallR,
+                    )
+                    Spacer(modifier = Modifier.height(24.dp))
+
+                    uiState.accounts.forEach { account ->
+                        SocialAccountRow(
+                            account = account,
+                            onToggle = { enabled -> if (!uiState.isUpdating) onToggle(account.provider, enabled) },
+                        )
+                        Spacer(modifier = Modifier.height(8.dp))
+                    }
+                }
             }
         }
     }
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContract.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContract.kt
index 54ccab2404..cb5c3ae9af 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContract.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsContract.kt
@@ -4,6 +4,12 @@ import com.afternote.core.ui.mvi.MviIntent
 import com.afternote.core.ui.mvi.ReducerEvent
 
 internal sealed interface ConnectedAccountsIntent : MviIntent {
+    data object RetryLoad : ConnectedAccountsIntent
+
+    data class ConsumeError(
+        val message: String,
+    ) : ConnectedAccountsIntent
+
     data class Toggle(
         val provider: String,
         val enabled: Boolean,
@@ -22,6 +28,14 @@ internal sealed interface ConnectedAccountsIntent : MviIntent {
 }
 
 internal sealed interface ConnectedAccountsReducerEvent : ReducerEvent {
+    data object Loading : ConnectedAccountsReducerEvent
+
+    data object Changing : ConnectedAccountsReducerEvent
+
+    data class ErrorConsumed(
+        val message: String,
+    ) : ConnectedAccountsReducerEvent
+
     data class Loaded(
         val accounts: List<SocialAccountState>,
     ) : ConnectedAccountsReducerEvent
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreen.kt
index 807850e881..a28a48c960 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreen.kt
@@ -89,10 +89,17 @@ internal fun ConnectedAccountsScreen(
         }
     }
 
+    uiState.pendingError?.let { message ->
+        ObserveSignal(message, ConnectedAccountsIntent.ConsumeError(message), viewModel::onIntent) {
+            linkScope.launch { snackbarHostState.showSnackbar(it) }
+        }
+    }
+
     ConnectedAccountsContent(
         uiState = uiState,
         snackbarHostState = snackbarHostState,
         onBack = onBack,
+        onRetry = { viewModel.onIntent(ConnectedAccountsIntent.RetryLoad) },
         onToggle = { provider, enabled -> viewModel.onIntent(ConnectedAccountsIntent.Toggle(provider, enabled)) },
         modifier = modifier,
     )
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsUiState.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsUiState.kt
index e17aaa182f..56754d98a2 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsUiState.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsUiState.kt
@@ -6,6 +6,8 @@ data class ConnectedAccountsUiState(
     val isLoading: Boolean = false,
     val accounts: List<SocialAccountState> = emptyList(),
     val errorMessage: String? = null,
+    val isUpdating: Boolean = false,
+    val pendingError: String? = null,
     /**
      * 화면이 플랫폼 인증(카카오 SDK·Credential Manager)을 시작해야 하는 제공자 신호다 (#1502).
      *
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsViewModel.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsViewModel.kt
index 50f8d516f9..37d0a2abdc 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsViewModel.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsViewModel.kt
@@ -7,6 +7,7 @@ import com.afternote.core.ui.mvi.MviViewModel
 import com.afternote.feature.setting.domain.SettingAccountRepository
 import com.afternote.feature.setting.presentation.R
 import dagger.hilt.android.lifecycle.HiltViewModel
+import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 import javax.inject.Inject
 
@@ -18,12 +19,22 @@ internal class ConnectedAccountsViewModel
     ) : MviViewModel<ConnectedAccountsIntent, ConnectedAccountsUiState, ConnectedAccountsReducerEvent>(
             ConnectedAccountsUiState(isLoading = true),
         ) {
+        private var loadJob: Job? = null
+
         init {
             loadConnectedAccounts()
         }
 
         override fun onIntent(intent: ConnectedAccountsIntent) {
             when (intent) {
+                ConnectedAccountsIntent.RetryLoad -> {
+                    if (currentState.errorMessage != null) loadConnectedAccounts()
+                }
+
+                is ConnectedAccountsIntent.ConsumeError -> {
+                    dispatch(ConnectedAccountsReducerEvent.ErrorConsumed(intent.message))
+                }
+
                 is ConnectedAccountsIntent.Toggle -> {
                     toggle(intent.provider, intent.enabled)
                 }
@@ -45,8 +56,26 @@ internal class ConnectedAccountsViewModel
             event: ConnectedAccountsReducerEvent,
         ): ConnectedAccountsUiState =
             when (event) {
+                ConnectedAccountsReducerEvent.Loading -> {
+                    state.copy(isLoading = true, errorMessage = null)
+                }
+
+                ConnectedAccountsReducerEvent.Changing -> {
+                    state.copy(isUpdating = true, pendingError = null)
+                }
+
+                is ConnectedAccountsReducerEvent.ErrorConsumed -> {
+                    if (state.pendingError ==
+                        event.message
+                    ) {
+                        state.copy(pendingError = null)
+                    } else {
+                        state
+                    }
+                }
+
                 is ConnectedAccountsReducerEvent.Loaded -> {
-                    state.copy(isLoading = false, accounts = event.accounts)
+                    state.copy(isLoading = false, errorMessage = null, accounts = event.accounts)
                 }
 
                 is ConnectedAccountsReducerEvent.LoadFailed -> {
@@ -54,11 +83,11 @@ internal class ConnectedAccountsViewModel
                 }
 
                 is ConnectedAccountsReducerEvent.AccountsChanged -> {
-                    state.copy(accounts = event.accounts)
+                    state.copy(accounts = event.accounts, isUpdating = false)
                 }
 
                 is ConnectedAccountsReducerEvent.ChangeFailed -> {
-                    state.copy(errorMessage = event.message)
+                    state.copy(pendingError = event.message, isUpdating = false)
                 }
 
                 is ConnectedAccountsReducerEvent.LinkRequested -> {
@@ -72,20 +101,24 @@ internal class ConnectedAccountsViewModel
             }
 
         private fun loadConnectedAccounts() {
-            viewModelScope.launch {
-                runCatchingCancellable { accountRepository.getConnectedAccounts() }
-                    .onSuccess { accounts ->
-                        dispatch(ConnectedAccountsReducerEvent.Loaded(accounts.toStateList()))
-                    }.onFailure {
-                        dispatch(ConnectedAccountsReducerEvent.LoadFailed("계정 정보를 불러올 수 없습니다."))
-                    }
-            }
+            if (loadJob?.isActive == true) return
+            dispatch(ConnectedAccountsReducerEvent.Loading)
+            loadJob =
+                viewModelScope.launch {
+                    runCatchingCancellable { accountRepository.getConnectedAccounts() }
+                        .onSuccess { accounts ->
+                            dispatch(ConnectedAccountsReducerEvent.Loaded(accounts.toStateList()))
+                        }.onFailure {
+                            dispatch(ConnectedAccountsReducerEvent.LoadFailed("계정 정보를 불러올 수 없습니다."))
+                        }
+                }
         }
 
         private fun toggle(
             provider: String,
             enabled: Boolean,
         ) {
+            if (currentState.isLoading || currentState.errorMessage != null || currentState.isUpdating) return
             if (enabled) {
                 dispatch(ConnectedAccountsReducerEvent.LinkRequested(provider))
             } else {
@@ -97,6 +130,8 @@ internal class ConnectedAccountsViewModel
             provider: String,
             accessToken: String,
         ) {
+            if (currentState.isLoading || currentState.errorMessage != null || currentState.isUpdating) return
+            dispatch(ConnectedAccountsReducerEvent.Changing)
             viewModelScope.launch {
                 runCatchingCancellable { accountRepository.linkConnectedAccount(provider, accessToken) }
                     .onSuccess { accounts -> dispatch(ConnectedAccountsReducerEvent.AccountsChanged(accounts.toStateList())) }
@@ -105,6 +140,7 @@ internal class ConnectedAccountsViewModel
         }
 
         private fun unlink(provider: String) {
+            dispatch(ConnectedAccountsReducerEvent.Changing)
             viewModelScope.launch {
                 runCatchingCancellable { accountRepository.unlinkConnectedAccount(provider) }
                     .onSuccess { accounts -> dispatch(ConnectedAccountsReducerEvent.AccountsChanged(accounts.toStateList())) }
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingContract.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingContract.kt
new file mode 100644
index 0000000000..99198174b3
--- /dev/null
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingContract.kt
@@ -0,0 +1,68 @@
+package com.afternote.feature.setting.presentation.home
+
+import com.afternote.core.ui.mvi.MviIntent
+import com.afternote.core.ui.mvi.ReducerEvent
+import com.afternote.core.ui.mvi.UiState
+
+internal data class SettingUiState(
+    val profile: SettingProfileState = SettingProfileState.Loading,
+    val logoutCompleted: Unit? = null,
+    val withdraw: WithdrawUiState = WithdrawUiState.Idle,
+) : UiState
+
+internal sealed interface SettingProfileState {
+    data object Loading : SettingProfileState
+
+    data class Success(
+        val name: String,
+        val email: String,
+    ) : SettingProfileState
+
+    /** 문구는 화면이 `setting_profile_load_error` 리소스로 그린다. 프로필 수정 화면과 같은 문장이다. */
+    data object Error : SettingProfileState
+}
+
+internal sealed interface WithdrawUiState {
+    data object Idle : WithdrawUiState
+
+    data object Loading : WithdrawUiState
+
+    data object Success : WithdrawUiState
+
+    data object Error : WithdrawUiState
+}
+
+internal sealed interface SettingIntent : MviIntent {
+    data object Refresh : SettingIntent
+
+    data object Logout : SettingIntent
+
+    data object ConsumeLogoutSuccess : SettingIntent
+
+    data object DeleteAccount : SettingIntent
+
+    data object DismissWithdrawError : SettingIntent
+}
+
+internal sealed interface SettingReducerEvent : ReducerEvent {
+    data object ProfileLoading : SettingReducerEvent
+
+    data class ProfileLoaded(
+        val name: String,
+        val email: String,
+    ) : SettingReducerEvent
+
+    data object ProfileFailed : SettingReducerEvent
+
+    data object LoggedOut : SettingReducerEvent
+
+    data object LogoutConsumed : SettingReducerEvent
+
+    data object Withdrawing : SettingReducerEvent
+
+    data object Withdrawn : SettingReducerEvent
+
+    data object WithdrawFailed : SettingReducerEvent
+
+    data object WithdrawErrorDismissed : SettingReducerEvent
+}
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingScreen.kt
index 0474ef8b65..9178b05dab 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingScreen.kt
@@ -1,7 +1,10 @@
 package com.afternote.feature.setting.presentation.home
 
+import androidx.compose.foundation.layout.Box
 import androidx.compose.foundation.layout.Column
 import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
 import androidx.compose.foundation.layout.padding
 import androidx.compose.foundation.rememberScrollState
 import androidx.compose.foundation.verticalScroll
@@ -26,12 +29,14 @@ import androidx.hilt.lifecycle.viewmodel.compose.hiltViewModel
 import androidx.lifecycle.Lifecycle
 import androidx.lifecycle.compose.LocalLifecycleOwner
 import androidx.lifecycle.compose.collectAsStateWithLifecycle
+import com.afternote.core.ui.mvi.ObserveSignal
 import com.afternote.core.ui.popup.Popup
 import com.afternote.core.ui.popup.PopupType
 import com.afternote.core.ui.topbar.DetailTopBar
 import com.afternote.feature.setting.presentation.R
 import com.afternote.feature.setting.presentation.home.component.SettingProfile
 import com.afternote.feature.setting.presentation.home.component.SettingSection
+import com.afternote.feature.setting.presentation.shared.component.SettingLoadErrorContent
 import com.afternote.feature.setting.presentation.shared.component.SettingMenuItem
 import kotlinx.coroutines.launch
 
@@ -59,19 +64,18 @@ internal fun SettingScreen(
     val unavailableMessage = stringResource(R.string.setting_menu_unavailable)
     val acknowledgeLabel = stringResource(R.string.setting_menu_acknowledge)
     val uiState by viewModel.uiState.collectAsStateWithLifecycle()
-    val logoutCompleted by viewModel.logoutCompleted.collectAsStateWithLifecycle()
     val currentOnLogoutSuccess by rememberUpdatedState(onLogoutSuccess)
 
     val lifecycle = LocalLifecycleOwner.current.lifecycle
     val lifecycleState by lifecycle.currentStateFlow.collectAsStateWithLifecycle()
     LaunchedEffect(lifecycleState) {
         if (lifecycleState == Lifecycle.State.RESUMED) {
-            viewModel.refresh()
+            viewModel.onIntent(SettingIntent.Refresh)
         }
     }
 
-    LaunchedEffect(logoutCompleted) {
-        if (logoutCompleted) {
+    uiState.logoutCompleted?.let { signal ->
+        ObserveSignal(signal, SettingIntent.ConsumeLogoutSuccess, viewModel::onIntent) {
             currentOnLogoutSuccess()
         }
     }
@@ -88,8 +92,9 @@ internal fun SettingScreen(
         containerColor = Color.Transparent,
     ) { innerPadding ->
         SettingScreenContent(
-            uiState = uiState,
-            onLogoutClick = viewModel::logout,
+            uiState = uiState.profile,
+            onRetry = { viewModel.onIntent(SettingIntent.Refresh) },
+            onLogoutClick = { viewModel.onIntent(SettingIntent.Logout) },
             onUnavailableClick = {
                 scope.launch {
                     snackbarHostState.currentSnackbarData?.dismiss()
@@ -114,7 +119,8 @@ internal fun SettingScreen(
 
 @Composable
 private fun SettingScreenContent(
-    uiState: SettingUiState,
+    uiState: SettingProfileState,
+    onRetry: () -> Unit,
     onLogoutClick: () -> Unit,
     onUnavailableClick: () -> Unit,
     onProfileEditClick: () -> Unit,
@@ -146,23 +152,17 @@ private fun SettingScreenContent(
         )
     }
 
-    when (val state = uiState) {
-        is SettingUiState.Loading -> {
-            Column(
-                modifier = modifier.fillMaxSize(),
-                horizontalAlignment = Alignment.CenterHorizontally,
-            ) {
-                CircularProgressIndicator()
+    Column(
+        modifier = modifier.fillMaxSize().verticalScroll(rememberScrollState()),
+    ) {
+        when (val state = uiState) {
+            SettingProfileState.Loading -> {
+                Box(Modifier.fillMaxWidth().height(160.dp), contentAlignment = Alignment.Center) {
+                    CircularProgressIndicator()
+                }
             }
-        }
 
-        is SettingUiState.Success -> {
-            Column(
-                modifier =
-                    modifier
-                        .fillMaxSize()
-                        .verticalScroll(rememberScrollState()),
-            ) {
+            is SettingProfileState.Success -> {
                 SettingProfile(
                     name = state.name,
                     email = state.email,
@@ -170,101 +170,96 @@ private fun SettingScreenContent(
                     onNoticeClick = onNoticeClick,
                     onRecipientListClick = onRecipientListClick,
                 )
+            }
 
-                SettingSection(title = stringResource(R.string.setting_section_account)) {
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_account_profile_edit),
-                        onClick = onProfileEditClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_account_password_change),
-                        onClick = onPasswordChangeClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_account_linked_account),
-                        onClick = onLinkedAccountClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_account_notification),
-                        onClick = onNotificationClick,
-                    )
-                }
-
-                SettingSection(title = stringResource(R.string.setting_section_recipient)) {
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_recipient_list),
-                        onClick = onRecipientListClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_recipient_register),
-                        onClick = onRecipientRegisterClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_recipient_after_delivery),
-                        onClick = onDeliveryConditionsClick,
-                    )
-                }
-
-                SettingSection(title = stringResource(R.string.setting_section_security)) {
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_security_passkey),
-                        onClick = onPasskeyClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_security_app_lock),
-                        onClick = onAppLockClick,
-                    )
-                }
-
-                SettingSection(title = stringResource(R.string.setting_section_support)) {
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_faq),
-                        onClick = onUnavailableClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_inquiry),
-                        onClick = onUnavailableClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_notice),
-                        onClick = onNoticeClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_terms),
-                        onClick = onUnavailableClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_privacy),
-                        onClick = onUnavailableClick,
-                    )
-                    SettingMenuItem(
-                        label = stringResource(R.string.setting_support_service_info),
-                        onClick = onUnavailableClick,
-                    )
-                }
-
-                SettingMenuItem(
-                    label = stringResource(R.string.setting_logout),
-                    onClick = { showLogoutDialog = true },
-                    modifier = Modifier.padding(top = 8.dp),
-                )
-                SettingMenuItem(
-                    label = stringResource(R.string.setting_account_withdraw),
-                    onClick = onWithdrawGuideClick,
+            SettingProfileState.Error -> {
+                SettingLoadErrorContent(
+                    message = stringResource(R.string.setting_profile_load_error),
+                    onRetry = onRetry,
+                    modifier = Modifier.height(160.dp),
                 )
             }
         }
+        SettingSection(title = stringResource(R.string.setting_section_account)) {
+            SettingMenuItem(
+                label = stringResource(R.string.setting_account_profile_edit),
+                onClick = onProfileEditClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_account_password_change),
+                onClick = onPasswordChangeClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_account_linked_account),
+                onClick = onLinkedAccountClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_account_notification),
+                onClick = onNotificationClick,
+            )
+        }
 
-        is SettingUiState.Error -> {
-            Column(
-                modifier = modifier.fillMaxSize(),
-                horizontalAlignment = Alignment.CenterHorizontally,
-            ) {
-                SettingMenuItem(
-                    label = stringResource(R.string.setting_logout),
-                    onClick = { showLogoutDialog = true },
-                )
-            }
+        SettingSection(title = stringResource(R.string.setting_section_recipient)) {
+            SettingMenuItem(
+                label = stringResource(R.string.setting_recipient_list),
+                onClick = onRecipientListClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_recipient_register),
+                onClick = onRecipientRegisterClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_recipient_after_delivery),
+                onClick = onDeliveryConditionsClick,
+            )
+        }
+
+        SettingSection(title = stringResource(R.string.setting_section_security)) {
+            SettingMenuItem(
+                label = stringResource(R.string.setting_security_passkey),
+                onClick = onPasskeyClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_security_app_lock),
+                onClick = onAppLockClick,
+            )
+        }
+
+        SettingSection(title = stringResource(R.string.setting_section_support)) {
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_faq),
+                onClick = onUnavailableClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_inquiry),
+                onClick = onUnavailableClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_notice),
+                onClick = onNoticeClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_terms),
+                onClick = onUnavailableClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_privacy),
+                onClick = onUnavailableClick,
+            )
+            SettingMenuItem(
+                label = stringResource(R.string.setting_support_service_info),
+                onClick = onUnavailableClick,
+            )
         }
+
+        SettingMenuItem(
+            label = stringResource(R.string.setting_logout),
+            onClick = { showLogoutDialog = true },
+            modifier = Modifier.padding(top = 8.dp),
+        )
+        SettingMenuItem(
+            label = stringResource(R.string.setting_account_withdraw),
+            onClick = onWithdrawGuideClick,
+        )
     }
 }
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModel.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModel.kt
index 6a461aa179..64652613b9 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModel.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModel.kt
@@ -1,47 +1,16 @@
 package com.afternote.feature.setting.presentation.home
 
-import androidx.lifecycle.ViewModel
 import androidx.lifecycle.viewModelScope
 import com.afternote.core.domain.repository.MyProfileRepository
 import com.afternote.core.domain.repository.auth.AuthRepository
 import com.afternote.core.domain.result.runCatchingCancellable
+import com.afternote.core.ui.mvi.MviViewModel
 import com.afternote.feature.setting.domain.SettingAccountRepository
 import dagger.hilt.android.lifecycle.HiltViewModel
-import kotlinx.coroutines.CancellationException
-import kotlinx.coroutines.flow.MutableStateFlow
-import kotlinx.coroutines.flow.asStateFlow
+import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 import javax.inject.Inject
 
-sealed interface SettingUiState {
-    data object Loading : SettingUiState
-
-    data class Success(
-        val name: String,
-        val email: String,
-    ) : SettingUiState
-
-    data class Error(
-        val message: String,
-    ) : SettingUiState
-}
-
-sealed interface WithdrawUiState {
-    data object Idle : WithdrawUiState
-
-    data object Loading : WithdrawUiState
-
-    data object Success : WithdrawUiState
-
-    data object Error : WithdrawUiState
-}
-
-/**
- * 설정 화면용 ViewModel.
- *
- * 로그아웃 시 [AuthRepository.logout] 한 번 호출로 끝낸다. 내부적으로 서버 호출은 best-effort,
- * 로컬 토큰은 결과 무관하게 정리하도록 위임돼 있다. 호출처는 토큰 정리 여부를 신경 쓸 필요 없음.
- */
 @HiltViewModel
 internal class SettingViewModel
     @Inject
@@ -49,64 +18,99 @@ internal class SettingViewModel
         private val authRepository: AuthRepository,
         private val myProfileRepository: MyProfileRepository,
         private val accountRepository: SettingAccountRepository,
-    ) : ViewModel() {
-        private val _uiState = MutableStateFlow<SettingUiState>(SettingUiState.Loading)
-        val uiState = _uiState.asStateFlow()
-
-        private val _logoutCompleted = MutableStateFlow(false)
-        val logoutCompleted = _logoutCompleted.asStateFlow()
+    ) : MviViewModel<SettingIntent, SettingUiState, SettingReducerEvent>(SettingUiState()) {
+        private var loadJob: Job? = null
+        private var logoutJob: Job? = null
 
         init {
             loadProfile()
         }
 
-        fun refresh() = loadProfile()
-
-        private fun loadProfile() {
-            viewModelScope.launch {
-                runCatchingCancellable { myProfileRepository.getMyProfile() }
-                    .onSuccess { profile ->
-                        _uiState.value =
-                            SettingUiState.Success(
-                                name = profile.name,
-                                email = profile.email,
-                            )
-                    }.onFailure {
-                        _uiState.value = SettingUiState.Error("프로필을 불러올 수 없습니다.")
-                    }
+        override fun onIntent(intent: SettingIntent) {
+            when (intent) {
+                SettingIntent.Refresh -> loadProfile()
+                SettingIntent.Logout -> logout()
+                SettingIntent.ConsumeLogoutSuccess -> dispatch(SettingReducerEvent.LogoutConsumed)
+                SettingIntent.DeleteAccount -> deleteAccount()
+                SettingIntent.DismissWithdrawError -> dispatch(SettingReducerEvent.WithdrawErrorDismissed)
             }
         }
 
-        fun logout() {
-            viewModelScope.launch {
-                // logout() 내부에서 서버 호출(best-effort) + 로컬 토큰 정리까지 처리한다.
-                authRepository.logout()
-                _logoutCompleted.value = true
-            }
-        }
+        override fun reduce(
+            state: SettingUiState,
+            event: SettingReducerEvent,
+        ): SettingUiState =
+            when (event) {
+                SettingReducerEvent.ProfileLoading -> {
+                    if (state.profile is SettingProfileState.Success) state else state.copy(profile = SettingProfileState.Loading)
+                }
 
-        private val _withdrawUiState = MutableStateFlow<WithdrawUiState>(WithdrawUiState.Idle)
-        val withdrawUiState = _withdrawUiState.asStateFlow()
+                is SettingReducerEvent.ProfileLoaded -> {
+                    state.copy(profile = SettingProfileState.Success(event.name, event.email))
+                }
 
-        fun deleteAccount() {
-            if (_withdrawUiState.value == WithdrawUiState.Loading) return
-            _withdrawUiState.value = WithdrawUiState.Loading
+                SettingReducerEvent.ProfileFailed -> {
+                    state.copy(profile = SettingProfileState.Error)
+                }
 
-            viewModelScope.launch {
-                try {
-                    accountRepository.deleteAccount()
-                    _withdrawUiState.value = WithdrawUiState.Success
-                } catch (exception: CancellationException) {
-                    throw exception
-                } catch (_: Exception) {
-                    _withdrawUiState.value = WithdrawUiState.Error
+                SettingReducerEvent.LoggedOut -> {
+                    state.copy(logoutCompleted = Unit)
+                }
+
+                SettingReducerEvent.LogoutConsumed -> {
+                    state.copy(logoutCompleted = null)
+                }
+
+                SettingReducerEvent.Withdrawing -> {
+                    state.copy(withdraw = WithdrawUiState.Loading)
+                }
+
+                SettingReducerEvent.Withdrawn -> {
+                    state.copy(withdraw = WithdrawUiState.Success)
+                }
+
+                SettingReducerEvent.WithdrawFailed -> {
+                    state.copy(withdraw = WithdrawUiState.Error)
+                }
+
+                SettingReducerEvent.WithdrawErrorDismissed -> {
+                    if (state.withdraw ==
+                        WithdrawUiState.Error
+                    ) {
+                        state.copy(withdraw = WithdrawUiState.Idle)
+                    } else {
+                        state
+                    }
                 }
             }
+
+        private fun loadProfile() {
+            if (loadJob?.isActive == true) return
+            loadJob =
+                viewModelScope.launch {
+                    dispatch(SettingReducerEvent.ProfileLoading)
+                    runCatchingCancellable { myProfileRepository.getMyProfile() }
+                        .onSuccess { dispatch(SettingReducerEvent.ProfileLoaded(it.name, it.email)) }
+                        .onFailure { dispatch(SettingReducerEvent.ProfileFailed) }
+                }
         }
 
-        fun dismissWithdrawError() {
-            if (_withdrawUiState.value == WithdrawUiState.Error) {
-                _withdrawUiState.value = WithdrawUiState.Idle
+        private fun logout() {
+            if (logoutJob?.isActive == true || currentState.logoutCompleted != null) return
+            logoutJob =
+                viewModelScope.launch {
+                    authRepository.logout()
+                    dispatch(SettingReducerEvent.LoggedOut)
+                }
+        }
+
+        private fun deleteAccount() {
+            if (currentState.withdraw == WithdrawUiState.Loading || currentState.withdraw == WithdrawUiState.Success) return
+            dispatch(SettingReducerEvent.Withdrawing)
+            viewModelScope.launch {
+                runCatchingCancellable { accountRepository.deleteAccount() }
+                    .onSuccess { dispatch(SettingReducerEvent.Withdrawn) }
+                    .onFailure { dispatch(SettingReducerEvent.WithdrawFailed) }
             }
         }
     }
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawConfirmScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawConfirmScreen.kt
index ea165e8839..67f490d968 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawConfirmScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawConfirmScreen.kt
@@ -1,10 +1,8 @@
 package com.afternote.feature.setting.presentation.home
 
 import androidx.compose.runtime.Composable
-import androidx.compose.runtime.getValue
 import androidx.compose.ui.Modifier
 import androidx.compose.ui.res.stringResource
-import androidx.lifecycle.compose.collectAsStateWithLifecycle
 import com.afternote.core.ui.popup.Popup
 import com.afternote.core.ui.popup.PopupType
 import com.afternote.feature.setting.presentation.R
@@ -17,9 +15,9 @@ internal fun WithdrawConfirmScreen(
     viewModel: SettingViewModel,
     modifier: Modifier = Modifier,
 ) {
-    val userName = (uiState as? SettingUiState.Success)?.name.orEmpty()
-    val userEmail = (uiState as? SettingUiState.Success)?.email.orEmpty()
-    val withdrawUiState by viewModel.withdrawUiState.collectAsStateWithLifecycle()
+    val userName = (uiState.profile as? SettingProfileState.Success)?.name.orEmpty()
+    val userEmail = (uiState.profile as? SettingProfileState.Success)?.email.orEmpty()
+    val withdrawUiState = uiState.withdraw
 
     when (withdrawUiState) {
         WithdrawUiState.Success -> {
@@ -38,8 +36,8 @@ internal fun WithdrawConfirmScreen(
                 message = stringResource(R.string.setting_withdraw_failed_message),
                 confirmText = stringResource(R.string.setting_withdraw_retry_button),
                 dismissText = stringResource(R.string.setting_withdraw_close_button),
-                onConfirm = viewModel::deleteAccount,
-                onDismiss = viewModel::dismissWithdrawError,
+                onConfirm = { viewModel.onIntent(SettingIntent.DeleteAccount) },
+                onDismiss = { viewModel.onIntent(SettingIntent.DismissWithdrawError) },
             )
         }
 
@@ -52,7 +50,7 @@ internal fun WithdrawConfirmScreen(
         userName = userName,
         userEmail = userEmail,
         onBackClick = onBackClick,
-        onWithdrawClick = viewModel::deleteAccount,
+        onWithdrawClick = { viewModel.onIntent(SettingIntent.DeleteAccount) },
         isLoading = withdrawUiState == WithdrawUiState.Loading,
         modifier = modifier,
     )
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawGuideScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawGuideScreen.kt
index 3916385035..c5204986d0 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawGuideScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/home/WithdrawGuideScreen.kt
@@ -35,15 +35,15 @@ import com.afternote.feature.setting.presentation.R
 
 // 설정 - 회원 탈퇴 안내
 @Composable
-fun WithdrawGuideScreen(
+internal fun WithdrawGuideScreen(
     uiState: SettingUiState,
     onBackClick: () -> Unit,
     onCancelClick: () -> Unit,
     onConfirmClick: () -> Unit,
     modifier: Modifier = Modifier,
 ) {
-    val userName = (uiState as? SettingUiState.Success)?.name.orEmpty()
-    val userEmail = (uiState as? SettingUiState.Success)?.email.orEmpty()
+    val userName = (uiState.profile as? SettingProfileState.Success)?.name.orEmpty()
+    val userEmail = (uiState.profile as? SettingProfileState.Success)?.email.orEmpty()
     var agreed by remember { mutableStateOf(false) }
     Scaffold(
         topBar = {
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContent.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContent.kt
index 231273c3c7..d2fdd7c93e 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContent.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContent.kt
@@ -1,8 +1,10 @@
 package com.afternote.feature.setting.presentation.notification
 
+import androidx.compose.foundation.layout.Box
 import androidx.compose.foundation.layout.Column
 import androidx.compose.foundation.layout.Spacer
 import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
 import androidx.compose.foundation.layout.height
 import androidx.compose.foundation.layout.padding
 import androidx.compose.material3.Scaffold
@@ -12,10 +14,13 @@ import androidx.compose.ui.Modifier
 import androidx.compose.ui.graphics.Color
 import androidx.compose.ui.res.stringResource
 import androidx.compose.ui.unit.dp
+import com.afternote.core.ui.asString
+import com.afternote.core.ui.loading.LoadingBody
 import com.afternote.core.ui.theme.AfternoteDesign
 import com.afternote.core.ui.topbar.DetailTopBar
 import com.afternote.feature.setting.presentation.R
 import com.afternote.feature.setting.presentation.notification.component.PushToggleSection
+import com.afternote.feature.setting.presentation.shared.component.SettingLoadErrorContent
 
 /**
  * 푸시 알림 설정 화면의 상태 없는 본문.
@@ -31,6 +36,7 @@ internal fun PushNotificationContent(
     onNewsletterToggle: (Boolean) -> Unit,
     onMindRecordToggle: (Boolean) -> Unit,
     onAfternoteToggle: (Boolean) -> Unit,
+    onRetry: () -> Unit,
 ) {
     Scaffold(
         topBar = {
@@ -48,12 +54,28 @@ internal fun PushNotificationContent(
                     .padding(padding)
                     .padding(horizontal = 20.dp, vertical = 16.dp),
         ) {
-            PushToggleSection(
-                uiState = uiState,
-                onNewsletterToggle = onNewsletterToggle,
-                onMindRecordToggle = onMindRecordToggle,
-                onAfternoteToggle = onAfternoteToggle,
-            )
+            when {
+                uiState.isLoading -> {
+                    LoadingBody(modifier = Modifier.weight(1f))
+                }
+
+                uiState.errorMessage != null -> {
+                    SettingLoadErrorContent(
+                        message = uiState.errorMessage.asString(),
+                        onRetry = onRetry,
+                        modifier = Modifier.weight(1f),
+                    )
+                }
+
+                else -> {
+                    PushToggleSection(
+                        uiState = uiState,
+                        onNewsletterToggle = onNewsletterToggle,
+                        onMindRecordToggle = onMindRecordToggle,
+                        onAfternoteToggle = onAfternoteToggle,
+                    )
+                }
+            }
 
             Spacer(Modifier.height(24.dp))
             Text(
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContract.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContract.kt
index 0ac593a7a6..3ad1bf42a0 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContract.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationContract.kt
@@ -6,6 +6,8 @@ import com.afternote.core.ui.mvi.MviIntent
 import com.afternote.core.ui.mvi.ReducerEvent
 
 internal sealed interface PushNotificationIntent : MviIntent {
+    data object RetryLoad : PushNotificationIntent
+
     /** 기기 알림 허용 여부를 다시 읽는다. 화면 재개와 권한 요청 결과 때 보낸다. */
     data object RefreshDeviceAlarmStatus : PushNotificationIntent
 
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreen.kt
index ae9c1ec4e2..a0e68dfe4e 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreen.kt
@@ -17,6 +17,7 @@ internal fun PushNotificationScreen(
     PushNotificationContent(
         uiState = uiState,
         onBack = onBack,
+        onRetry = { viewModel.onIntent(PushNotificationIntent.RetryLoad) },
         onNewsletterToggle = { viewModel.onIntent(PushNotificationIntent.TogglePushSetting(PushSetting.NEWSLETTER, it)) },
         onMindRecordToggle = { viewModel.onIntent(PushNotificationIntent.TogglePushSetting(PushSetting.MIND_RECORD, it)) },
         onAfternoteToggle = { viewModel.onIntent(PushNotificationIntent.TogglePushSetting(PushSetting.AFTERNOTE, it)) },
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationUiState.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationUiState.kt
index adcf6fd7a7..71c9a1f277 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationUiState.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationUiState.kt
@@ -1,9 +1,11 @@
 package com.afternote.feature.setting.presentation.notification
 
+import com.afternote.core.ui.UiText
 import com.afternote.core.ui.mvi.UiState
 
 internal data class PushNotificationUiState(
     val isLoading: Boolean = false,
+    val errorMessage: UiText? = null,
     val isDeviceAlarmOn: Boolean = false,
     // 마케팅 알림 (기기 알림 꺼졌을 때)
     val isSmsChecked: Boolean = true,
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationViewModel.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationViewModel.kt
index 1eb6e3a3f8..4a3356e5e9 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationViewModel.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationViewModel.kt
@@ -7,11 +7,14 @@ import androidx.lifecycle.viewModelScope
 import com.afternote.core.common.reporting.ErrorReporter
 import com.afternote.core.domain.error.PushSettingFailure
 import com.afternote.core.domain.result.runCatchingCancellable
+import com.afternote.core.ui.UiText
 import com.afternote.core.ui.mvi.MviViewModel
 import com.afternote.feature.setting.domain.SettingNotificationRepository
+import com.afternote.feature.setting.presentation.R
 import dagger.hilt.android.lifecycle.HiltViewModel
 import dagger.hilt.android.qualifiers.ApplicationContext
 import jakarta.inject.Inject
+import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 
 @HiltViewModel
@@ -21,7 +24,11 @@ internal class PushNotificationViewModel
         @ApplicationContext private val context: Context,
         private val notificationRepository: SettingNotificationRepository,
         private val errorReporter: ErrorReporter,
-    ) : MviViewModel<PushNotificationIntent, PushNotificationUiState, PushNotificationReducerEvent>(PushNotificationUiState()) {
+    ) : MviViewModel<PushNotificationIntent, PushNotificationUiState, PushNotificationReducerEvent>(
+            PushNotificationUiState(isLoading = true),
+        ) {
+        private var loadJob: Job? = null
+
         init {
             refreshDeviceAlarmStatus()
             loadPushSettings()
@@ -30,6 +37,10 @@ internal class PushNotificationViewModel
 
         override fun onIntent(intent: PushNotificationIntent) {
             when (intent) {
+                PushNotificationIntent.RetryLoad -> {
+                    if (currentState.errorMessage != null) loadPushSettings()
+                }
+
                 PushNotificationIntent.RefreshDeviceAlarmStatus -> {
                     refreshDeviceAlarmStatus()
                 }
@@ -74,12 +85,13 @@ internal class PushNotificationViewModel
                 }
 
                 PushNotificationReducerEvent.PushSettingsLoading -> {
-                    state.copy(isLoading = true)
+                    state.copy(isLoading = true, errorMessage = null)
                 }
 
                 is PushNotificationReducerEvent.PushSettingsLoaded -> {
                     state.copy(
                         isLoading = false,
+                        errorMessage = null,
                         isNewsletterOn = event.setting.timeLetter,
                         isMindRecordOn = event.setting.mindRecord,
                         isAfternoteOn = event.setting.afterNote,
@@ -87,7 +99,7 @@ internal class PushNotificationViewModel
                 }
 
                 PushNotificationReducerEvent.PushSettingsLoadFailed -> {
-                    state.copy(isLoading = false)
+                    state.copy(isLoading = false, errorMessage = UiText.Resource(R.string.setting_push_load_error))
                 }
 
                 is PushNotificationReducerEvent.MarketingConsentsLoaded -> {
@@ -148,19 +160,21 @@ internal class PushNotificationViewModel
         }
 
         private fun loadPushSettings() {
-            viewModelScope.launch {
-                Log.d(TAG, "loadPushSettings: start")
-                dispatch(PushNotificationReducerEvent.PushSettingsLoading)
-                runCatchingCancellable { notificationRepository.getMyPushSettings() }
-                    .onSuccess { setting ->
-                        Log.d(TAG, "loadPushSettings: success=$setting")
-                        dispatch(PushNotificationReducerEvent.PushSettingsLoaded(setting))
-                    }.onFailure { e ->
-                        // 조회 실패는 Logcat 에만 남긴다. 반복 조회 잡음이 저장 실패 진단의 보관 한도를 밀어내지 않게 한다 (#963).
-                        Log.e(TAG, "loadPushSettings: failed", e)
-                        dispatch(PushNotificationReducerEvent.PushSettingsLoadFailed)
-                    }
-            }
+            if (loadJob?.isActive == true) return
+            dispatch(PushNotificationReducerEvent.PushSettingsLoading)
+            loadJob =
+                viewModelScope.launch {
+                    Log.d(TAG, "loadPushSettings: start")
+                    runCatchingCancellable { notificationRepository.getMyPushSettings() }
+                        .onSuccess { setting ->
+                            Log.d(TAG, "loadPushSettings: success=$setting")
+                            dispatch(PushNotificationReducerEvent.PushSettingsLoaded(setting))
+                        }.onFailure { e ->
+                            // 조회 실패는 Logcat 에만 남긴다. 반복 조회 잡음이 저장 실패 진단의 보관 한도를 밀어내지 않게 한다 (#963).
+                            Log.e(TAG, "loadPushSettings: failed", e)
+                            dispatch(PushNotificationReducerEvent.PushSettingsLoadFailed)
+                        }
+                }
         }
 
         private fun loadMarketingConsents() {
@@ -204,7 +218,7 @@ internal class PushNotificationViewModel
         }
 
         private fun updatePushSetting(update: PushSettingUpdate) {
-            if (currentState.isUpdating(update.setting)) return
+            if (currentState.isLoading || currentState.errorMessage != null || currentState.isUpdating(update.setting)) return
             val previousValue = currentState.valueOf(update.setting)
             dispatch(PushNotificationReducerEvent.PushSettingSaving(update))
             viewModelScope.launch {
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditContract.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditContract.kt
index a6001854a8..bdb8ee77cf 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditContract.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditContract.kt
@@ -4,6 +4,8 @@ import com.afternote.core.ui.mvi.MviIntent
 import com.afternote.core.ui.mvi.ReducerEvent
 
 internal sealed interface ProfileEditIntent : MviIntent {
+    data object RetryLoad : ProfileEditIntent
+
     data class SelectPhoto(
         val uri: String,
     ) : ProfileEditIntent
@@ -20,6 +22,8 @@ internal sealed interface ProfileEditIntent : MviIntent {
 }
 
 internal sealed interface ProfileEditReducerEvent : ReducerEvent {
+    data object Loading : ProfileEditReducerEvent
+
     data class Loaded(
         val name: String,
         val phone: String,
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditScreen.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditScreen.kt
index 840c9482a0..58140d8ba5 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditScreen.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditScreen.kt
@@ -19,12 +19,15 @@ import androidx.compose.foundation.text.input.rememberTextFieldState
 import androidx.compose.material3.CircularProgressIndicator
 import androidx.compose.material3.HorizontalDivider
 import androidx.compose.material3.Scaffold
+import androidx.compose.material3.SnackbarHost
+import androidx.compose.material3.SnackbarHostState
 import androidx.compose.material3.Text
 import androidx.compose.runtime.Composable
 import androidx.compose.runtime.LaunchedEffect
 import androidx.compose.runtime.getValue
 import androidx.compose.runtime.mutableStateOf
 import androidx.compose.runtime.remember
+import androidx.compose.runtime.rememberCoroutineScope
 import androidx.compose.runtime.rememberUpdatedState
 import androidx.compose.runtime.saveable.rememberSaveable
 import androidx.compose.ui.Alignment
@@ -45,6 +48,8 @@ import com.afternote.core.ui.topbar.DetailTopBar
 import com.afternote.feature.setting.presentation.R
 import com.afternote.feature.setting.presentation.receiver.ReceiverPhoneValidation
 import com.afternote.feature.setting.presentation.receiver.validateReceiverPhone
+import com.afternote.feature.setting.presentation.shared.component.SettingLoadErrorContent
+import kotlinx.coroutines.launch
 
 @Composable
 internal fun ProfileEditScreen(
@@ -54,6 +59,9 @@ internal fun ProfileEditScreen(
     viewModel: ProfileEditViewModel = hiltViewModel(),
 ) {
     val uiState by viewModel.uiState.collectAsStateWithLifecycle()
+    val snackbarHostState = remember { SnackbarHostState() }
+    val feedbackScope = rememberCoroutineScope()
+    val updateFailedMessage = stringResource(R.string.setting_profile_update_error)
     val onPickProfileImage =
         rememberProfileImagePicker(
             canAcceptPhoto = (uiState as? ProfileEditUiState.Success)?.isUpdating == false,
@@ -68,13 +76,19 @@ internal fun ProfileEditScreen(
             onIntent = viewModel::onIntent,
         ) { event ->
             when (event) {
-                ProfileEditEvent.UpdateSuccess -> onBackClick()
-                ProfileEditEvent.UpdateFailure -> Unit
+                ProfileEditEvent.UpdateSuccess -> {
+                    onBackClick()
+                }
+
+                ProfileEditEvent.UpdateFailure -> {
+                    feedbackScope.launch { snackbarHostState.showSnackbar(updateFailedMessage) }
+                }
             }
         }
     }
 
     ProfileEditContent(
+        snackbarHostState = snackbarHostState,
         uiState = uiState,
         onPickImageClick = onPickProfileImage,
         onIntent = viewModel::onIntent,
@@ -86,6 +100,7 @@ internal fun ProfileEditScreen(
 
 @Composable
 private fun ProfileEditContent(
+    snackbarHostState: SnackbarHostState,
     uiState: ProfileEditUiState,
     onPickImageClick: () -> Unit,
     onIntent: (ProfileEditIntent) -> Unit,
@@ -102,6 +117,7 @@ private fun ProfileEditContent(
         },
         modifier = modifier,
         containerColor = Color.Transparent,
+        snackbarHost = { SnackbarHost(snackbarHostState) },
     ) { innerPadding ->
         when (val state = uiState) {
             is ProfileEditUiState.Loading -> {
@@ -127,15 +143,11 @@ private fun ProfileEditContent(
             }
 
             is ProfileEditUiState.Error -> {
-                Box(
-                    modifier =
-                        Modifier
-                            .fillMaxSize()
-                            .padding(innerPadding),
-                    contentAlignment = Alignment.Center,
-                ) {
-                    Text(text = "프로필을 불러올 수 없습니다.")
-                }
+                SettingLoadErrorContent(
+                    message = stringResource(R.string.setting_profile_load_error),
+                    onRetry = { onIntent(ProfileEditIntent.RetryLoad) },
+                    modifier = Modifier.padding(innerPadding),
+                )
             }
         }
     }
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditViewModel.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditViewModel.kt
index a066ecb330..ac7630d468 100644
--- a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditViewModel.kt
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/profile/ProfileEditViewModel.kt
@@ -8,6 +8,7 @@ import com.afternote.core.ui.mvi.MviViewModel
 import com.afternote.feature.setting.presentation.receiver.ReceiverPhoneValidation
 import com.afternote.feature.setting.presentation.receiver.validateReceiverPhone
 import dagger.hilt.android.lifecycle.HiltViewModel
+import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 import javax.inject.Inject
 
@@ -20,12 +21,15 @@ internal class ProfileEditViewModel
         private val myProfileRepository: MyProfileRepository,
         private val photoUploadRepository: PhotoUploadRepository,
     ) : MviViewModel<ProfileEditIntent, ProfileEditUiState, ProfileEditReducerEvent>(ProfileEditUiState.Loading) {
+        private var loadJob: Job? = null
+
         init {
             loadProfile()
         }
 
         override fun onIntent(intent: ProfileEditIntent) {
             when (intent) {
+                ProfileEditIntent.RetryLoad -> if (currentState == ProfileEditUiState.Error) loadProfile()
                 is ProfileEditIntent.SelectPhoto -> dispatch(ProfileEditReducerEvent.PhotoSelected(intent.uri))
                 is ProfileEditIntent.UpdateProfile -> updateProfile(intent.name, intent.phone)
                 is ProfileEditIntent.ConsumeEvent -> dispatch(ProfileEditReducerEvent.EventConsumed(intent.event))
@@ -37,6 +41,10 @@ internal class ProfileEditViewModel
             event: ProfileEditReducerEvent,
         ): ProfileEditUiState =
             when (event) {
+                ProfileEditReducerEvent.Loading -> {
+                    ProfileEditUiState.Loading
+                }
+
                 is ProfileEditReducerEvent.Loaded -> {
                     ProfileEditUiState.Success(
                         name = event.name,
@@ -74,21 +82,24 @@ internal class ProfileEditViewModel
             }
 
         private fun loadProfile() {
-            viewModelScope.launch {
-                runCatchingCancellable { myProfileRepository.getMyProfile() }
-                    .onSuccess { user ->
-                        dispatch(
-                            ProfileEditReducerEvent.Loaded(
-                                name = user.name,
-                                phone = user.phone.orEmpty(),
-                                email = user.email,
-                                profileImageUrl = user.profileImageUrl,
-                            ),
-                        )
-                    }.onFailure {
-                        dispatch(ProfileEditReducerEvent.LoadFailed)
-                    }
-            }
+            if (loadJob?.isActive == true) return
+            dispatch(ProfileEditReducerEvent.Loading)
+            loadJob =
+                viewModelScope.launch {
+                    runCatchingCancellable { myProfileRepository.getMyProfile() }
+                        .onSuccess { user ->
+                            dispatch(
+                                ProfileEditReducerEvent.Loaded(
+                                    name = user.name,
+                                    phone = user.phone.orEmpty(),
+                                    email = user.email,
+                                    profileImageUrl = user.profileImageUrl,
+                                ),
+                            )
+                        }.onFailure {
+                            dispatch(ProfileEditReducerEvent.LoadFailed)
+                        }
+                }
         }
 
         private fun updateProfile(
diff --git a/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/shared/component/SettingLoadErrorContent.kt b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/shared/component/SettingLoadErrorContent.kt
new file mode 100644
index 0000000000..a742b55256
--- /dev/null
+++ b/feature/setting/presentation/src/main/kotlin/com/afternote/feature/setting/presentation/shared/component/SettingLoadErrorContent.kt
@@ -0,0 +1,42 @@
+package com.afternote.feature.setting.presentation.shared.component
+
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.material3.Text
+import androidx.compose.material3.TextButton
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.text.style.TextAlign
+import androidx.compose.ui.unit.dp
+import com.afternote.core.ui.theme.AfternoteDesign
+import com.afternote.feature.setting.presentation.R
+
+@Composable
+internal fun SettingLoadErrorContent(
+    message: String,
+    onRetry: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    Column(
+        modifier = modifier.fillMaxSize().padding(horizontal = 20.dp),
+        verticalArrangement = Arrangement.Center,
+        horizontalAlignment = Alignment.CenterHorizontally,
+    ) {
+        Text(
+            text = message,
+            style = AfternoteDesign.typography.bodySmallR,
+            color = AfternoteDesign.colors.gray6,
+            textAlign = TextAlign.Center,
+        )
+        Spacer(modifier = Modifier.height(8.dp))
+        TextButton(onClick = onRetry) {
+            Text(text = stringResource(R.string.setting_load_retry))
+        }
+    }
+}
diff --git a/feature/setting/presentation/src/main/res/values/strings.xml b/feature/setting/presentation/src/main/res/values/strings.xml
index d594c9e076..75a012b7a6 100644
--- a/feature/setting/presentation/src/main/res/values/strings.xml
+++ b/feature/setting/presentation/src/main/res/values/strings.xml
@@ -180,4 +180,8 @@
     <string name="setting_password_change_social_blocked">소셜 로그인으로 가입한 계정은 비밀번호를 변경할 수 없습니다.</string>
     <string name="setting_password_change_network_error">네트워크 연결을 확인해주세요.</string>
     <string name="setting_password_change_failed">비밀번호를 변경하지 못했습니다. 입력하신 내용을 확인해 주세요.</string>
+    <string name="setting_profile_load_error">프로필을 불러올 수 없습니다.</string>
+    <string name="setting_profile_update_error">프로필 수정에 실패했습니다. 다시 시도해 주세요.</string>
+    <string name="setting_push_load_error">알림 설정을 불러올 수 없습니다.</string>
+    <string name="setting_load_retry">다시 시도</string>
 </resources>
diff --git a/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTest.kt b/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTest.kt
index 680fa0fba8..cca855c10c 100644
--- a/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTest.kt
+++ b/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTest.kt
@@ -24,10 +24,11 @@ internal fun connectedAccountsScreenCompactScreenshot() {
 }
 
 @Composable
-private fun ConnectedAccountsScreenScreenshotContent() {
+private fun ConnectedAccountsScreenScreenshotContent(uiState: ConnectedAccountsUiState = connectedAccountsPreviewState) {
     AfternoteTheme {
         ConnectedAccountsContent(
-            uiState = connectedAccountsPreviewState,
+            onRetry = {},
+            uiState = uiState,
             snackbarHostState = remember { SnackbarHostState() },
             onBack = {},
             onToggle = { _, _ -> },
@@ -68,3 +69,19 @@ private val connectedAccountsPreviewState =
                 ),
             ),
     )
+
+@PreviewTest
+@Preview(showBackground = true)
+@Preview(showBackground = true, device = COMPACT_DEVICE_SPEC)
+@Composable
+internal fun connectedAccountsLoadingScreenshot() {
+    ConnectedAccountsScreenScreenshotContent(ConnectedAccountsUiState(isLoading = true))
+}
+
+@PreviewTest
+@Preview(showBackground = true)
+@Preview(showBackground = true, device = COMPACT_DEVICE_SPEC)
+@Composable
+internal fun connectedAccountsLoadErrorScreenshot() {
+    ConnectedAccountsScreenScreenshotContent(ConnectedAccountsUiState(errorMessage = "계정 정보를 불러올 수 없습니다."))
+}
diff --git a/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTest.kt b/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTest.kt
index d3168b6c7b..07e49c4ead 100644
--- a/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTest.kt
+++ b/feature/setting/presentation/src/screenshotTest/kotlin/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTest.kt
@@ -2,8 +2,10 @@ package com.afternote.feature.setting.presentation.notification
 
 import androidx.compose.runtime.Composable
 import androidx.compose.ui.tooling.preview.Preview
+import com.afternote.core.ui.UiText
 import com.afternote.core.ui.theme.AfternoteTheme
 import com.afternote.feature.setting.presentation.COMPACT_DEVICE_SPEC
+import com.afternote.feature.setting.presentation.R
 import com.android.tools.screenshot.PreviewTest
 
 @PreviewTest
@@ -21,10 +23,11 @@ internal fun pushNotificationCompactScreenshot() {
 }
 
 @Composable
-private fun PushNotificationScreenshotContent() {
+private fun PushNotificationScreenshotContent(uiState: PushNotificationUiState = PushNotificationUiState(isAfternoteOn = true)) {
     AfternoteTheme {
         PushNotificationContent(
-            uiState = PushNotificationUiState(isAfternoteOn = true),
+            onRetry = {},
+            uiState = uiState,
             onBack = {},
             onNewsletterToggle = {},
             onMindRecordToggle = {},
@@ -32,3 +35,19 @@ private fun PushNotificationScreenshotContent() {
         )
     }
 }
+
+@PreviewTest
+@Preview(showBackground = true)
+@Preview(showBackground = true, device = COMPACT_DEVICE_SPEC)
+@Composable
+internal fun pushNotificationLoadingScreenshot() {
+    PushNotificationScreenshotContent(PushNotificationUiState(isLoading = true))
+}
+
+@PreviewTest
+@Preview(showBackground = true)
+@Preview(showBackground = true, device = COMPACT_DEVICE_SPEC)
+@Composable
+internal fun pushNotificationLoadErrorScreenshot() {
+    PushNotificationScreenshotContent(PushNotificationUiState(errorMessage = UiText.Resource(R.string.setting_push_load_error)))
+}
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_748aa731_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_748aa731_0.png
new file mode 100644
index 0000000000..6852feed9e
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_748aa731_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_c2abd7e6_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_c2abd7e6_0.png
new file mode 100644
index 0000000000..74ab59ac8d
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadErrorScreenshot_c2abd7e6_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_748aa731_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_748aa731_0.png
new file mode 100644
index 0000000000..8332c47afb
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_748aa731_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_c2abd7e6_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_c2abd7e6_0.png
new file mode 100644
index 0000000000..04fd32d7af
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/account/ConnectedAccountsScreenScreenshotTestKt/connectedAccountsLoadingScreenshot_c2abd7e6_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_748aa731_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_748aa731_0.png
new file mode 100644
index 0000000000..236b375198
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_748aa731_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_c2abd7e6_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_c2abd7e6_0.png
new file mode 100644
index 0000000000..42ec702aad
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadErrorScreenshot_c2abd7e6_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_748aa731_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_748aa731_0.png
new file mode 100644
index 0000000000..ff4783be9e
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_748aa731_0.png differ
diff --git a/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_c2abd7e6_0.png b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_c2abd7e6_0.png
new file mode 100644
index 0000000000..cd52495352
Binary files /dev/null and b/feature/setting/presentation/src/screenshotTestDebug/reference/com/afternote/feature/setting/presentation/notification/PushNotificationScreenScreenshotTestKt/pushNotificationLoadingScreenshot_c2abd7e6_0.png differ
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingAccountSecurityTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingAccountSecurityTest.kt
index 7f94d4e029..1075ae0e80 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingAccountSecurityTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingAccountSecurityTest.kt
@@ -6,6 +6,7 @@ import androidx.compose.ui.test.junit4.v2.createComposeRule
 import androidx.compose.ui.test.onNodeWithText
 import androidx.compose.ui.test.performClick
 import androidx.compose.ui.test.performTextInput
+import androidx.lifecycle.compose.collectAsStateWithLifecycle
 import com.afternote.core.domain.testing.FakeAuthRepository
 import com.afternote.core.domain.testing.FakeMyProfileRepository
 import com.afternote.core.domain.testing.FakeMyProfileRepository.ProfileUpdateCall
@@ -34,7 +35,6 @@ import com.afternote.feature.setting.presentation.applock.PinSetupStep
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionError
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionIntent
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionViewModel
-import com.afternote.feature.setting.presentation.home.SettingUiState
 import com.afternote.feature.setting.presentation.home.SettingViewModel
 import com.afternote.feature.setting.presentation.home.WithdrawConfirmScreen
 import com.afternote.feature.setting.presentation.home.WithdrawUiState
@@ -131,7 +131,7 @@ class SettingAccountSecurityTest {
         linkRepository.onLinkConnectedAccount = { _, _ -> throw IllegalStateException("oauth rejected") }
         composeRule.runOnIdle { linkViewModel.onIntent(ConnectedAccountsIntent.Link(provider = "google", accessToken = "google-token")) }
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
-            linkViewModel.uiState.value.errorMessage == "계정 연결에 실패했습니다."
+            linkViewModel.uiState.value.pendingError == "계정 연결에 실패했습니다."
         }
 
         assertEquals(
@@ -156,7 +156,7 @@ class SettingAccountSecurityTest {
         }
 
         assertEquals(listOf("google"), unlinkRepository.connectedUnlinkCalls)
-        assertEquals("계정 연결 해제에 실패했습니다.", unlinkViewModel.uiState.value.errorMessage)
+        assertEquals("계정 연결 해제에 실패했습니다.", unlinkViewModel.uiState.value.pendingError)
     }
 
     @Test
@@ -313,7 +313,7 @@ class SettingAccountSecurityTest {
         composeRule.setContent {
             AfternoteTheme {
                 WithdrawConfirmScreen(
-                    uiState = SettingUiState.Success(name = DEFAULT_USER.name, email = DEFAULT_USER.email),
+                    uiState = viewModel.uiState.collectAsStateWithLifecycle().value,
                     onBackClick = {},
                     onWithdrawSuccess = { successCalls += 1 },
                     viewModel = viewModel,
@@ -332,7 +332,7 @@ class SettingAccountSecurityTest {
         }
 
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
-            viewModel.withdrawUiState.value == WithdrawUiState.Error
+            viewModel.uiState.value.withdraw == WithdrawUiState.Error
         }
         composeRule
             .onNodeWithText("회원 탈퇴에 실패했습니다. 잠시 후 다시 시도해 주세요.")
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCompletionTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCompletionTest.kt
index aaeb57841e..238a57a594 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCompletionTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCompletionTest.kt
@@ -44,6 +44,8 @@ import com.afternote.feature.setting.presentation.account.ConnectedAccountsViewM
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionError
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionIntent
 import com.afternote.feature.setting.presentation.delivery.DeliveryConditionViewModel
+import com.afternote.feature.setting.presentation.home.SettingIntent
+import com.afternote.feature.setting.presentation.home.SettingProfileState
 import com.afternote.feature.setting.presentation.home.SettingUiState
 import com.afternote.feature.setting.presentation.home.SettingViewModel
 import com.afternote.feature.setting.presentation.home.WithdrawUiState
@@ -650,28 +652,28 @@ class SettingCompletionTest {
             }
         val viewModel = SettingViewModel(authRepository, profileRepository, repository)
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
-            viewModel.uiState.value is SettingUiState.Success
+            viewModel.uiState.value.profile is SettingProfileState.Success
         }
 
-        composeRule.runOnIdle { viewModel.deleteAccount() }
+        composeRule.runOnIdle { viewModel.onIntent(SettingIntent.DeleteAccount) }
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
             repository.deleteAccountCalls == 1
         }
-        assertEquals(WithdrawUiState.Loading, viewModel.withdrawUiState.value)
+        assertEquals(WithdrawUiState.Loading, viewModel.uiState.value.withdraw)
 
         firstGate.completeExceptionally(IllegalStateException("서버가 503 으로 거절했다"))
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
-            viewModel.withdrawUiState.value == WithdrawUiState.Error
+            viewModel.uiState.value.withdraw == WithdrawUiState.Error
         }
 
-        composeRule.runOnIdle { viewModel.deleteAccount() }
+        composeRule.runOnIdle { viewModel.onIntent(SettingIntent.DeleteAccount) }
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
             repository.deleteAccountCalls == 2
         }
 
         retryGate.complete(Unit)
         composeRule.waitUntil(timeoutMillis = TIMEOUT_MILLIS) {
-            viewModel.withdrawUiState.value == WithdrawUiState.Success
+            viewModel.uiState.value.withdraw == WithdrawUiState.Success
         }
         assertEquals(2, repository.deleteAccountCalls)
     }
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCoroutineCancellationTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCoroutineCancellationTest.kt
index 4f78f1ac52..a2a78bae53 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCoroutineCancellationTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingCoroutineCancellationTest.kt
@@ -15,6 +15,7 @@ import com.afternote.feature.setting.domain.testing.FakeSettingAccountRepository
 import com.afternote.feature.setting.domain.testing.FakeSettingNotificationRepository
 import com.afternote.feature.setting.presentation.account.ConnectedAccountsIntent
 import com.afternote.feature.setting.presentation.account.ConnectedAccountsViewModel
+import com.afternote.feature.setting.presentation.home.SettingProfileState
 import com.afternote.feature.setting.presentation.home.SettingUiState
 import com.afternote.feature.setting.presentation.home.SettingViewModel
 import com.afternote.feature.setting.presentation.notification.PushNotificationIntent
@@ -238,7 +239,7 @@ class SettingCoroutineCancellationTest {
             runCurrent()
 
             assertTrue(pending.isCancelled)
-            assertEquals(SettingUiState.Loading, viewModel.uiState.value)
+            assertEquals(SettingProfileState.Loading, viewModel.uiState.value.profile)
         }
 
     @Test
@@ -326,7 +327,7 @@ class SettingCoroutineCancellationTest {
                 )
             runCurrent()
 
-            assertEquals(SettingUiState.Error("프로필을 불러올 수 없습니다."), viewModel.uiState.value)
+            assertEquals(SettingProfileState.Error, viewModel.uiState.value.profile)
         }
 
     private fun pushViewModel(
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingFlowTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingFlowTest.kt
index 3e40f3677a..adac4e7fb9 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingFlowTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingFlowTest.kt
@@ -14,6 +14,7 @@ import com.afternote.core.domain.testing.FakeMyProfileRepository
 import com.afternote.core.ui.theme.AfternoteTheme
 import com.afternote.feature.setting.domain.testing.FakeSettingAccountRepository
 import com.afternote.feature.setting.domain.testing.FakeSettingNotificationRepository
+import com.afternote.feature.setting.presentation.home.SettingIntent
 import com.afternote.feature.setting.presentation.home.SettingScreen
 import com.afternote.feature.setting.presentation.home.SettingViewModel
 import com.afternote.feature.setting.presentation.notification.PushNotificationIntent
@@ -34,6 +35,30 @@ class SettingFlowTest {
     @get:Rule
     val composeRule = createComposeRule()
 
+    @Test
+    fun profileLoadFailureKeepsSettingsEntriesAndRetryRecoversProfile() {
+        var reads = 0
+        var offline = true
+        val profile =
+            com.afternote.core.domain.testing.FakeMyProfileRepository.strict().apply {
+                onGetMyProfile = {
+                    reads++
+                    if (offline) throw java.io.IOException("offline")
+                    com.afternote.core.model.user
+                        .User("복구 사용자", "test@example.com", null, null)
+                }
+            }
+        val viewModel = SettingViewModel(settingFlowAuthRepository(loggedIn = true), profile, settingFlowAccountRepository())
+        setSettingContent(viewModel)
+        composeRule.onNodeWithText("프로필을 불러올 수 없습니다.").assertIsDisplayed()
+        composeRule.onNodeWithText("프로필 수정").assertIsDisplayed()
+        val failedReads = reads
+        composeRule.runOnIdle { offline = false }
+        composeRule.onNodeWithText("다시 시도").performClick()
+        composeRule.onNodeWithText("복구 사용자").assertIsDisplayed()
+        assertEquals(failedReads + 1, reads)
+    }
+
     @Test
     fun profileAndSecurityEntries_emitExpectedNavigation() {
         val auth = settingFlowAuthRepository(loggedIn = true)
@@ -85,7 +110,7 @@ class SettingFlowTest {
         composeRule.setContent { AfternoteTheme {} }
 
         assertEquals(0, account.deleteAccountCalls)
-        composeRule.runOnIdle { viewModel.deleteAccount() }
+        composeRule.runOnIdle { viewModel.onIntent(SettingIntent.DeleteAccount) }
         composeRule.waitUntil(timeoutMillis = 5_000) { account.deleteAccountCalls == 1 }
 
         assertEquals(1, account.deleteAccountCalls)
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadFeedbackTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadFeedbackTest.kt
new file mode 100644
index 0000000000..80e9b32004
--- /dev/null
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadFeedbackTest.kt
@@ -0,0 +1,111 @@
+package com.afternote.feature.setting.presentation
+
+import androidx.compose.material3.SnackbarHostState
+import androidx.compose.ui.test.assertIsDisplayed
+import androidx.compose.ui.test.hasClickAction
+import androidx.compose.ui.test.hasScrollToIndexAction
+import androidx.compose.ui.test.hasText
+import androidx.compose.ui.test.junit4.createComposeRule
+import androidx.compose.ui.test.onNodeWithText
+import androidx.compose.ui.test.performClick
+import androidx.compose.ui.test.performScrollTo
+import androidx.compose.ui.test.performScrollToNode
+import com.afternote.core.domain.testing.FakeMyProfileRepository
+import com.afternote.core.domain.testing.FakePhotoUploadRepository
+import com.afternote.core.model.user.User
+import com.afternote.core.ui.UiText
+import com.afternote.core.ui.theme.AfternoteTheme
+import com.afternote.feature.setting.domain.testing.FakeSettingAccountRepository
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsContent
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsIntent
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsScreen
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsUiState
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsViewModel
+import com.afternote.feature.setting.presentation.notification.PushNotificationContent
+import com.afternote.feature.setting.presentation.notification.PushNotificationUiState
+import com.afternote.feature.setting.presentation.profile.ProfileEditIntent
+import com.afternote.feature.setting.presentation.profile.ProfileEditScreen
+import com.afternote.feature.setting.presentation.profile.ProfileEditUiState
+import com.afternote.feature.setting.presentation.profile.ProfileEditViewModel
+import org.junit.Assert.assertEquals
+import org.junit.Rule
+import org.junit.Test
+import org.junit.runner.RunWith
+import org.robolectric.RobolectricTestRunner
+import org.robolectric.annotation.Config
+import org.robolectric.annotation.GraphicsMode
+import java.io.IOException
+
+@RunWith(RobolectricTestRunner::class)
+@GraphicsMode(GraphicsMode.Mode.NATIVE)
+@Config(sdk = [35])
+class SettingLoadFeedbackTest {
+    @get:Rule val composeRule = createComposeRule()
+
+    @Test fun pushLoadErrorHidesSwitchesAndExposesRetry() {
+        var retries = 0
+        composeRule.setContent {
+            AfternoteTheme {
+                PushNotificationContent(
+                    uiState = PushNotificationUiState(errorMessage = UiText.Resource(R.string.setting_push_load_error)),
+                    onBack = {},
+                    onNewsletterToggle = {},
+                    onMindRecordToggle = {},
+                    onAfternoteToggle = {},
+                    onRetry = { retries++ },
+                )
+            }
+        }
+        composeRule.onNodeWithText("알림 설정을 불러올 수 없습니다.").assertIsDisplayed()
+        composeRule.onNodeWithText("뉴스레터").assertDoesNotExist()
+        composeRule.onNodeWithText("다시 시도").performClick()
+        assertEquals(1, retries)
+    }
+
+    @Test fun accountLoadErrorExposesRetryInsteadOfAnEmptyAccountList() {
+        var retries = 0
+        composeRule.setContent {
+            AfternoteTheme {
+                ConnectedAccountsContent(
+                    uiState = ConnectedAccountsUiState(errorMessage = "계정 정보를 불러올 수 없습니다."),
+                    snackbarHostState = SnackbarHostState(),
+                    onBack = {},
+                    onToggle = { _, _ -> },
+                    onRetry = { retries++ },
+                )
+            }
+        }
+        composeRule.onNodeWithText("계정 정보를 불러올 수 없습니다.").assertIsDisplayed()
+        composeRule.onNodeWithText("다시 시도").performClick()
+        assertEquals(1, retries)
+    }
+
+    @Test fun profileLoadRetryRecoversAndSaveFailureIsVisible() {
+        var reads = 0
+        val repository =
+            FakeMyProfileRepository.strict().apply {
+                onGetMyProfile = { if (++reads == 1) throw IOException() else User("테스트", "test@example.com", "01012345678", null) }
+                onUpdateMyProfile = { _, _, _ -> throw IOException() }
+            }
+        val vm = ProfileEditViewModel(repository, FakePhotoUploadRepository.strict())
+        composeRule.setContent { AfternoteTheme { ProfileEditScreen({}, {}, viewModel = vm) } }
+        composeRule.onNodeWithText("프로필을 불러올 수 없습니다.").assertIsDisplayed()
+        composeRule.onNodeWithText("다시 시도").performClick()
+        composeRule.waitUntil(5_000) { vm.uiState.value is ProfileEditUiState.Success }
+        composeRule.onNode(hasScrollToIndexAction()).performScrollToNode(hasText("수정하기"))
+        composeRule.onNodeWithText("수정하기").performClick()
+        composeRule.onNodeWithText("프로필 수정에 실패했습니다. 다시 시도해 주세요.").assertIsDisplayed()
+        assertEquals(2, reads)
+    }
+
+    @Test fun unlinkFailureShowsFeedbackAndKeepsAccountRows() {
+        val repository = FakeSettingAccountRepository().apply { onUnlinkConnectedAccount = { throw IOException() } }
+        val vm = ConnectedAccountsViewModel(repository)
+        composeRule.setContent { AfternoteTheme { ConnectedAccountsScreen({}, viewModel = vm) } }
+        composeRule.waitUntil(5_000) { !vm.uiState.value.isLoading }
+        composeRule.runOnIdle { vm.onIntent(ConnectedAccountsIntent.Toggle("kakao", false)) }
+        composeRule.onNodeWithText("계정 연결 해제에 실패했습니다.").assertIsDisplayed()
+        assertEquals(4, vm.uiState.value.accounts.size)
+        assertEquals(null, vm.uiState.value.errorMessage)
+    }
+}
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadRecoveryTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadRecoveryTest.kt
new file mode 100644
index 0000000000..43ee6a4476
--- /dev/null
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/SettingLoadRecoveryTest.kt
@@ -0,0 +1,184 @@
+package com.afternote.feature.setting.presentation
+
+import androidx.test.core.app.ApplicationProvider
+import com.afternote.core.domain.testing.FakeAuthRepository
+import com.afternote.core.domain.testing.FakeMyProfileRepository
+import com.afternote.core.domain.testing.FakePhotoUploadRepository
+import com.afternote.core.model.user.User
+import com.afternote.core.model.user.UserPushSetting
+import com.afternote.feature.setting.domain.testing.FakeSettingAccountRepository
+import com.afternote.feature.setting.domain.testing.FakeSettingNotificationRepository
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsIntent
+import com.afternote.feature.setting.presentation.account.ConnectedAccountsViewModel
+import com.afternote.feature.setting.presentation.home.SettingIntent
+import com.afternote.feature.setting.presentation.home.SettingProfileState
+import com.afternote.feature.setting.presentation.home.SettingViewModel
+import com.afternote.feature.setting.presentation.home.WithdrawUiState
+import com.afternote.feature.setting.presentation.notification.PushNotificationIntent
+import com.afternote.feature.setting.presentation.notification.PushNotificationViewModel
+import com.afternote.feature.setting.presentation.notification.PushSetting
+import com.afternote.feature.setting.presentation.profile.ProfileEditIntent
+import com.afternote.feature.setting.presentation.profile.ProfileEditUiState
+import com.afternote.feature.setting.presentation.profile.ProfileEditViewModel
+import kotlinx.coroutines.CompletableDeferred
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.ExperimentalCoroutinesApi
+import kotlinx.coroutines.test.StandardTestDispatcher
+import kotlinx.coroutines.test.resetMain
+import kotlinx.coroutines.test.runCurrent
+import kotlinx.coroutines.test.runTest
+import kotlinx.coroutines.test.setMain
+import org.junit.After
+import org.junit.Assert.assertEquals
+import org.junit.Assert.assertNotNull
+import org.junit.Assert.assertNull
+import org.junit.Assert.assertTrue
+import org.junit.Before
+import org.junit.Test
+import org.junit.runner.RunWith
+import org.robolectric.RobolectricTestRunner
+import org.robolectric.annotation.Config
+import java.io.IOException
+
+@OptIn(ExperimentalCoroutinesApi::class)
+@RunWith(RobolectricTestRunner::class)
+@Config(sdk = [35])
+class SettingLoadRecoveryTest {
+    private val dispatcher = StandardTestDispatcher()
+    private val profile = User("테스트", "test@example.com", "01012345678", null)
+
+    @Before fun setUp() {
+        Dispatchers.setMain(dispatcher)
+    }
+
+    @After fun tearDown() {
+        Dispatchers.resetMain()
+    }
+
+    @Test fun `home retry recovers profile without resetting account operation`() =
+        runTest(dispatcher) {
+            var reads = 0
+            val gate = CompletableDeferred<User>()
+            val repository =
+                FakeMyProfileRepository.strict().apply {
+                    onGetMyProfile = { if (++reads == 1) throw IOException() else gate.await() }
+                }
+            val vm = SettingViewModel(FakeAuthRepository.strict(), repository, FakeSettingAccountRepository())
+            runCurrent()
+            assertEquals(SettingProfileState.Error, vm.uiState.value.profile)
+            vm.onIntent(SettingIntent.DeleteAccount)
+            runCurrent()
+            vm.onIntent(SettingIntent.Refresh)
+            vm.onIntent(SettingIntent.Refresh)
+            runCurrent()
+            assertEquals(2, reads)
+            assertEquals(WithdrawUiState.Success, vm.uiState.value.withdraw)
+            gate.complete(profile)
+            runCurrent()
+            assertEquals(SettingProfileState.Success(profile.name, profile.email), vm.uiState.value.profile)
+            assertEquals(WithdrawUiState.Success, vm.uiState.value.withdraw)
+        }
+
+    @Test fun `profile retry is single flight and failed load cannot submit a patch`() =
+        runTest(dispatcher) {
+            var reads = 0
+            val gate = CompletableDeferred<User>()
+            val repository =
+                FakeMyProfileRepository.strict().apply {
+                    onGetMyProfile = { if (++reads == 1) throw IOException() else gate.await() }
+                }
+            val vm = ProfileEditViewModel(repository, FakePhotoUploadRepository.strict())
+            runCurrent()
+            assertEquals(ProfileEditUiState.Error, vm.uiState.value)
+            vm.onIntent(ProfileEditIntent.UpdateProfile("new", "01012345678"))
+            assertTrue(repository.profileUpdateCalls.isEmpty())
+            vm.onIntent(ProfileEditIntent.RetryLoad)
+            vm.onIntent(ProfileEditIntent.RetryLoad)
+            assertEquals(ProfileEditUiState.Loading, vm.uiState.value)
+            runCurrent()
+            assertEquals(2, reads)
+            gate.complete(profile)
+            runCurrent()
+            assertEquals(profile.phone, (vm.uiState.value as ProfileEditUiState.Success).phone)
+            vm.onIntent(ProfileEditIntent.RetryLoad)
+            runCurrent()
+            assertEquals(2, reads)
+        }
+
+    @Test fun `account load failure blocks writes and retry restores rows`() =
+        runTest(dispatcher) {
+            var fail = true
+            val repository =
+                FakeSettingAccountRepository().apply {
+                    onGetConnectedAccounts = { if (fail) throw IOException() else connectedAccounts }
+                }
+            val vm = ConnectedAccountsViewModel(repository)
+            runCurrent()
+            assertNotNull(vm.uiState.value.errorMessage)
+            vm.onIntent(ConnectedAccountsIntent.Toggle("kakao", false))
+            vm.onIntent(ConnectedAccountsIntent.Link("kakao", "unused"))
+            runCurrent()
+            assertTrue(repository.connectedUnlinkCalls.isEmpty())
+            assertTrue(repository.connectedLinkCalls.isEmpty())
+            fail = false
+            vm.onIntent(ConnectedAccountsIntent.RetryLoad)
+            vm.onIntent(ConnectedAccountsIntent.RetryLoad)
+            runCurrent()
+            assertEquals(2, repository.getConnectedAccountsCalls)
+            assertNull(vm.uiState.value.errorMessage)
+            assertEquals(4, vm.uiState.value.accounts.size)
+        }
+
+    @Test fun `account write failure preserves rows and consumes feedback independently of load state`() =
+        runTest(dispatcher) {
+            val repository = FakeSettingAccountRepository().apply { onUnlinkConnectedAccount = { throw IOException() } }
+            val vm = ConnectedAccountsViewModel(repository)
+            runCurrent()
+            val rows = vm.uiState.value.accounts
+            vm.onIntent(ConnectedAccountsIntent.Toggle("kakao", false))
+            vm.onIntent(ConnectedAccountsIntent.Toggle("kakao", false))
+            runCurrent()
+            assertEquals(listOf("kakao"), repository.connectedUnlinkCalls)
+            assertEquals(rows, vm.uiState.value.accounts)
+            assertNull(vm.uiState.value.errorMessage)
+            val error = requireNotNull(vm.uiState.value.pendingError)
+            vm.onIntent(ConnectedAccountsIntent.ConsumeError("another message"))
+            assertEquals(error, vm.uiState.value.pendingError)
+            vm.onIntent(ConnectedAccountsIntent.ConsumeError(error))
+            assertNull(vm.uiState.value.pendingError)
+        }
+
+    @Test fun `push load error cannot save default values and retry reads real settings`() =
+        runTest(dispatcher) {
+            var reads = 0
+            var writes = 0
+            var fail = true
+            val repository =
+                FakeSettingNotificationRepository().apply {
+                    onGetMyPushSettings = {
+                        reads++
+                        if (fail) throw IOException() else UserPushSetting(timeLetter = true, mindRecord = true, afterNote = false)
+                    }
+                    onUpdateMyPushSettings = { _, _, _ ->
+                        writes++
+                        UserPushSetting(false, false, false)
+                    }
+                }
+            val vm = PushNotificationViewModel(ApplicationProvider.getApplicationContext(), repository, NoOpErrorReporter)
+            assertTrue(vm.uiState.value.isLoading)
+            vm.onIntent(PushNotificationIntent.TogglePushSetting(PushSetting.NEWSLETTER, true))
+            runCurrent()
+            assertNotNull(vm.uiState.value.errorMessage)
+            vm.onIntent(PushNotificationIntent.TogglePushSetting(PushSetting.NEWSLETTER, true))
+            runCurrent()
+            assertEquals(0, writes)
+            fail = false
+            vm.onIntent(PushNotificationIntent.RetryLoad)
+            vm.onIntent(PushNotificationIntent.RetryLoad)
+            runCurrent()
+            assertEquals(2, reads)
+            assertNull(vm.uiState.value.errorMessage)
+            assertTrue(vm.uiState.value.isNewsletterOn)
+            assertTrue(vm.uiState.value.isMindRecordOn)
+        }
+}
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsMviTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsMviTest.kt
index 6baf72799c..c2eb7d27ab 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsMviTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/account/ConnectedAccountsMviTest.kt
@@ -100,7 +100,7 @@ class ConnectedAccountsMviTest {
 
         repeat(2) {
             viewModel.onIntent(ConnectedAccountsIntent.Link(provider = "google", accessToken = "token-$it"))
-            assertEquals("계정 연결에 실패했습니다.", viewModel.uiState.value.errorMessage)
+            assertEquals("계정 연결에 실패했습니다.", viewModel.uiState.value.pendingError)
             assertFalse(
                 viewModel.uiState.value.accounts
                     .first { it.provider == "google" }
diff --git a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModelTest.kt b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModelTest.kt
index f1582f606a..eee0ea0263 100644
--- a/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModelTest.kt
+++ b/feature/setting/presentation/src/test/kotlin/com/afternote/feature/setting/presentation/home/SettingViewModelTest.kt
@@ -35,11 +35,11 @@ class SettingViewModelTest {
         runTest(dispatcher) {
             val viewModel = viewModel(onDeleteAccount = {})
 
-            viewModel.deleteAccount()
+            viewModel.onIntent(SettingIntent.DeleteAccount)
 
-            assertEquals(WithdrawUiState.Loading, viewModel.withdrawUiState.value)
+            assertEquals(WithdrawUiState.Loading, viewModel.uiState.value.withdraw)
             runCurrent()
-            assertEquals(WithdrawUiState.Success, viewModel.withdrawUiState.value)
+            assertEquals(WithdrawUiState.Success, viewModel.uiState.value.withdraw)
         }
 
     @Test
@@ -47,12 +47,12 @@ class SettingViewModelTest {
         runTest(dispatcher) {
             val viewModel = viewModel(onDeleteAccount = { throw IllegalStateException("failure") })
 
-            viewModel.deleteAccount()
+            viewModel.onIntent(SettingIntent.DeleteAccount)
             runCurrent()
 
-            assertEquals(WithdrawUiState.Error, viewModel.withdrawUiState.value)
-            viewModel.dismissWithdrawError()
-            assertEquals(WithdrawUiState.Idle, viewModel.withdrawUiState.value)
+            assertEquals(WithdrawUiState.Error, viewModel.uiState.value.withdraw)
+            viewModel.onIntent(SettingIntent.DismissWithdrawError)
+            assertEquals(WithdrawUiState.Idle, viewModel.uiState.value.withdraw)
         }
 
     @Test
@@ -61,8 +61,8 @@ class SettingViewModelTest {
             var requestCount = 0
             val viewModel = viewModel(onDeleteAccount = { requestCount++ })
 
-            viewModel.deleteAccount()
-            viewModel.deleteAccount()
+            viewModel.onIntent(SettingIntent.DeleteAccount)
+            viewModel.onIntent(SettingIntent.DeleteAccount)
             runCurrent()
 
             assertEquals(1, requestCount)
diff --git a/konsist/src/test/kotlin/com/afternote/konsist/MviContractKonsistTest.kt b/konsist/src/test/kotlin/com/afternote/konsist/MviContractKonsistTest.kt
index 33528579ec..7e4dadd601 100644
--- a/konsist/src/test/kotlin/com/afternote/konsist/MviContractKonsistTest.kt
+++ b/konsist/src/test/kotlin/com/afternote/konsist/MviContractKonsistTest.kt
@@ -541,7 +541,6 @@ class MviContractKonsistTest {
         private val ISSUE_1805_SETTING =
             setOf(
                 "com.afternote.feature.setting.presentation.applock.AppLockSetupViewModel",
-                "com.afternote.feature.setting.presentation.home.SettingViewModel",
                 "com.afternote.feature.setting.presentation.passkey.PassKeyViewModel",
                 "com.afternote.feature.setting.presentation.receiver.ReceiverRegisterViewModel",
             )