Pension in 2026: Ukrainians reminded about mandatory insurance record check
Ukrainians planning to apply for a pension in the coming years are advised to check their insurance record now and make sure that all work periods are properly accounted for. In 2026, to be eligible for an old-age pension at 60, it is necessary to have at least 33 years of insurance record. If the required number of years is lacking, the issue should be addressed in advance.
The insurance record affects not only the ability to retire on time but also the amount of future payments. Therefore, experts recommend not postponing the verification of data until the moment of submitting documents, but to clarify all information with the Pension Fund in advance.
What should be done now
To avoid problems during pension processing, citizens are advised to:
- check insurance record information through the Pension Fund of Ukraine's electronic services web portal using a qualified electronic signature (QES) or BankID;
- digitize the paper employment record book and submit the information to the Pension Fund for inclusion in the electronic register;
- analyze whether the existing record is sufficient to retire at 60. If there is a shortage, consider voluntary payment of insurance contributions or continuing official employment;
- prepare in advance documents that may be needed to confirm the record, including passport, taxpayer identification number, education documents, military ID, and other supporting documents.
Required insurance record in 2026
To be granted an old-age pension, it is necessary to have:
- at 60 years — at least 33 years of insurance record;
- at 63 years — no less than 23 years of insurance record;
- at 65 years — from 15 years of insurance record.
Since January 1, 2004, only periods for which the unified social contribution has been paid are counted towards the insurance record. That is why official employment and regular payment of the unified social contribution directly affect citizens' future pension rights.
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