Insurance Experience for Pension — How Much Must Be Paid in 2025.

The Ukrainian Pension Fund has reported that the requirements for insurance experience to receive a pension are increasing every year, which may complicate the process of providing pension payments. However, the PFU has provided advice on how to independently increase your experience and explained the limitations. This information is passed on by Novyny.LIVE, referencing the Pension Fund.

Insurance Experience Rules for 2025

Insurance experience is the period in months during which a person was state social insured, meaning they paid the single social contribution (USC). To count a full month, one must pay 22% of the minimum wage, which in 2025 is 1760 hryvnias.

Starting from 2018, the requirements for experience have been increasing by one year and will continue to do so until 2028. For example, in order to retire at the age of 60, one must have a certain amount of experience depending on the year.

At 60 years of age this year - from 32 years of experience, in 2026 - from 33 years, in 2027 - from 34 years, from 2028 - from 35 years;

At 63 years of age in 2025 - from 22 to 32 years, in 2026 - from 23 to 33 years, in 2027 - from 24 to 34 years, from 2028 - from 25 to 35 years;

At 65 years of age in 2025 - from 15 to 22 years, in 2026 - from 15 to 23 years, in 2027 - from 15 to 24 years, from 2028 - from 15 to 25 years.

Starting from 2028, citizens will have the opportunity to retire at any age with an insurance experience of 40 years or more.

How to Independently Increase Insurance Experience

Experience depends on the payment of USC, so citizens can 'buy' experience independently. To do this, one must conclude a contract for voluntary participation in the system of mandatory state pension insurance with the tax authorities. It is allowed to conclude such a contract for various categories of citizens.

To register the contract, it is necessary to submit an application, a copy of the employment record, an extract from the personalized accounting system OK-5, and a copy of the document that certifies the identity.

If funds are paid in advance, the USC must be minimal, and if it is for previous periods, it will cost more. One year of experience costs 42.24 thousand UAH.

In 2025, pensions are expected to include an increase of almost 300 hryvnias. Some citizens may also receive a monthly allowance of 870 hryvnias.

The Pension Fund explained to Ukrainians what rules apply to insurance experience in 2025 and how to independently increase experience. It is important to keep in mind the requirements for experience for retirement at ages 60, 63, and 65, as well as the possibility of purchasing experience to improve financial security in the future. Ukrainians can take advantage of the PFU's advice to optimally utilize the opportunities of the mandatory state pension insurance system.