Pension Insurance Standards: How Many Years of Insurance Experience Are Needed to Retire in 2025
Ukraine’s pension system continues to undergo reform aimed at modernization and ensuring stability for future retirees.
A key aspect of these reforms is establishing the required duration of insurance experience for retirement based on age.
According to the Main Department of the Pension Fund in Ternopil region, by 2025, individuals must accumulate at least 32 years of insured work experience to qualify for an age-based pension at 60.
This requirement is part of a gradual increase in the minimum insurance period, which has been legislated since 2018.
Initially set at 25 years, the threshold has increased annually, reaching 29 years in 2022, 30 in 2023, and 31 in 2024.
Starting January 1, 2025, eligibility for a pension at 60 will be granted to those with a minimum of 32 years of insured experience.
Furthermore, the Pension Fund emphasizes that the increase in insurance experience not only grants the right to early retirement at 60 but also influences the corresponding pension age—either 63 or 65, should the insured experience be insufficient to qualify at 60.
It is also important to note that the minimum experience for a pension at age 65 remains 15 years.
Between January 1 and December 31, 2025, individuals wishing to retire at 63 need to have accumulated insurance experience ranging from 22 to 32 years.
Those reaching 65 in 2025 with experience from 15 to 22 years will also retain pension rights.
Ultimately, the Pension Fund highlights that eligibility for pension is determined based on the insured experience at the exact age of retirement, regardless of whether the individual applies for the pension later or has a longer total стаж.