August 14, 2025
Experience for retirement in Ukraine in 2025: How many years is required thumbnail
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Experience for retirement in Ukraine in 2025: How many years is required

To receive pension payments in Ukraine, it is not enough to reach a certain age. The key factor is the presence of insurance experience, which is often confused with overall work experience. Let’s see what the requirements are in Ukraine in 2025 and how to find out your length of service. What is insurance experience? Insurance experience is the period during which the employer (or”, – WRITE ON: ua.news

To receive pension payments in Ukraine, it is not enough to reach a certain age. The key factor is the presence of insurance experience which is often confused with overall work experience. Let’s see what the requirements are in Ukraine in 2025 and how to find out your length of service.

What is insurance experience?

Insurance experience – is the period during which the employer (or you, if there is a FOP) paid Singy Social Contribution (ESV) to the Pension Fund of Ukraine. Important: The precisely the period for which the contributions were paid, not just the time you worked, is credited.

  • Seniority -This is a broader concept that covers any period of employment, regardless of payment of contributions. For example, training at the institute or service in the army by 2004 was enrolled in service.
  • Insurance experience – This is the main criterion for age retirement.

From January 1, 2004, the length of service is decisive. If you have worked officially before that date, your length of service automatically equates to the insurance.

What experience is needed to retire in 2025?

The legislation of Ukraine provides for a gradual increase in the required insurance experience. This means that the length of service depends on the year when you reach retirement age (60, 63 or 65 years).

In 2025 to retire at 60 years of age Must have at least 32 years of insurance experience .

If there are not enough length of service, there are two options:

  • Retire 63 years if any 22 to 32 years old insurance experience.
  • Retire 65 years old if any from 15 to 22 years insurance experience.
  • These requirements will increase annually by 12 months, until 2028, when the minimum experience for retirement at 60 years will be 35 years.

    How to buy insurance experience?

    What if you are missing several years or even a month of experience? The legislation allows buy insurance experience .

    This can be done by entering into a contract with the tax service. The cost of one month of experience is calculated by the formula: minimum insurance contribution * coefficient 2 . For example, if the minimum wage is 8 000 UAH and the minimum ESA is 1 760 UAH (22% from 8 000 UAH), then one month of experience will cost 1 760 * 2 = 3 520 UAH.

    It is advantageous to buy experience if it is not enough, as it will retire before waiting for 63 or 65 years.

    How to check your length of service?

    In order not to guess how much experience you already have, use convenient online services.

    • Electronic Services Portal of the Pension Fund of Ukraine. The most accurate and official way. You can use an electronic signat (KEP) or Action . On the portal you will find data on your length of service, salaries and paid contributions.
    • Pension Fund mobile application. Allows you to check your smartphone experience.
    • Action application. In the “Services” section you can order an excerpt from the register of insured persons, which will indicate your length of service.

    You should check your length of service regularly to be sure of the future and to find out inaccuracies in a timely manner.

    What is the minimum length of service to obtain a pension?

    In order to secure a decent pension, it is important to understand the difference between labor and insurance experience, to know current requirements and to control the required length of service.

    Pension in Ukraine depends not on labor but on insurance experience . This is the period for which insurance premiums were paid to the Pension Fund. The requirements for experience are increasing every year.

    As of 2025 to retire, the minimum insurance experience depends on age:

    • At 60 years old – must have at least 32 years insurance experience.
    • In 63 years – must have from 22 to 32 years old insurance experience.
    • At 65 years old – must have from 15 to 22 years old insurance experience.

    If a person has less than 15 years of insurance experience, at the age of 65, he can count on social assistance rather than pension payments.

    The requirements for experience are constantly changing. Every year, by 2028, the minimum length of service for retirement will be increased by 12 months until it reaches 35 years.

    How much experience is required to retire at 60 years of age?

    At the moment to retire at 60 years you must have at least 32 years of insurance experience .

    The requirements for experience are gradually increasing every year. This means that the minimum retirement of 60 years will increase by 12 months until it reaches 35 years in 2028.

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