What Insurance Experience is Required for Retirement in 2026
The Pension Fund of Ukraine has provided clarifications regarding the requirements for insurance experience for retirement in 2026 for individuals who will turn 60 in January 2026.
This is reported by AgroReview
Requirements for Experience Based on Retirement Age
According to current legislation, the age at which a citizen can apply for an old-age pension depends on the length of their acquired insurance experience. Specifically, this can be 60, 63, or 65 years. The right to receive a pension is determined by the date of reaching the respective age.
According to Article 26 of the Law of Ukraine “On Mandatory State Pension Insurance,” the following norms regarding the duration of insurance experience will apply in 2026:
- after reaching 60 years — at least 33 years of insurance experience is required;
- after reaching 63 years — a minimum of 23 years of experience;
- after reaching 65 years — no less than 15 years of experience.
Particulars for Those Applying for Pension in 2026
It should be noted that for individuals who reached 60, 63, or 65 years in 2025 but are submitting documents for pension appointment in 2026, the requirements for insurance experience will be different. In this case, it is necessary to have 32, 22, or 15 years of insurance experience, respectively.
“Important! If a person reached the age of 60 / 63 / 65 in 2025 and applies for pension appointment in 2026, the required insurance experience for pension appointment is 32 / 22 / 15 years, respectively,” the Pension Fund of Ukraine stated.
Thus, when planning for retirement in 2026, it is important for citizens to consider not only their age but also the number of years of insurance experience accumulated by the time of application.