Starting from 2025, the rules for pensions in Ukraine are changing: who will not receive payments.

11.11.2025 1771

11.11.2025 1771

Starting from 2025, the rules for pensions in Ukraine are changing: who will not receive payments

According to inkorr.com: In 2025, changes in the requirements for insurance experience for receiving a pension are expected in Ukraine. Those who have not accumulated enough years of experience will not be able to count on an age pension, and only state social assistance will be available after reaching the age of 65. This was reported by

TSN.

New retirement rules

Starting next year, only Ukrainians with at least 32 years of insurance experience will have the right to retire at 60. Individuals with 22 to 31 years of experience will be able to apply for a pension only at 63. For those who have experience within 15-21 years, the age pension will only be available from 65 years.

Citizens who do not even have 15 years of experience will not receive any pension payments. Instead, they will be provided with state social assistance, but only after reaching 65 years of age.

How the assistance will be calculated

From 2025, the amount of social assistance will be determined by a formula that takes into account two parameters:

the average monthly total income of the family per person for the last six months;
the subsistence minimum for persons who have lost their ability to work, currently set at 2361 hryvnias.

At the same time, the amount of social pension cannot exceed 100% of the subsistence minimum for working-age persons, i.e. 3028 hryvnias in 2025.

The minimum insurance experience

for retirement is gradually increasing since 2018. This mechanism has been introduced to encourage citizens to official employment and to pay contributions to the Pension Fund. As a result, more people with limited experience find themselves in a situation where instead of a pension, they receive only social assistance, the amount of which is significantly lower.

Such changes in the pension system could affect the financial well-being of many Ukrainians in the future. Therefore, it is important for citizens to be aware of the new requirements and to plan their pension strategy in a timely manner, as the conditions become increasingly stringent each year.