Pension Can Be Higher: How Not to Lose Additional Months of Insurance Experience
Before applying for a pension, it is worth considering one important feature that can help increase insurance experience without losing pension payments. In some cases, choosing the right time to submit documents allows additional months of work to be counted towards the insurance experience.
If the right to a pension arises in January, it is not mandatory to apply for it immediately after reaching retirement age. The law allows applying to the Pension Fund within three months from the date of acquiring the right to a pension. In this case, payments will still be assigned from the date the pension right arises.
Therefore, in some cases, it is more advantageous to submit documents at the end of this three-month period. This allows additional months of work to be counted towards the insurance experience, which can be important for meeting the experience requirements or affect the size of the future pension.
For many citizens, just a few additional months of experience may be lacking to meet the legal requirements, writes "Na pensii".
At the same time, specialists advise not to wait until the last day to contact the Pension Fund. Documents for preliminary verification can be submitted one month before the pension right arises. This will help to identify possible inaccuracies in the work record book or other documents confirming insurance experience in advance.
According to the Law of Ukraine "On Compulsory State Pension Insurance," starting from January 1, 2028, old-age pensions can be assigned regardless of age. But there is a condition: a person must have at least 40 calendar years of insurance experience.
That is, if such experience is available, there is no need to wait until reaching 60 years of age.
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