Retirement in 2027: How Much Insurance Coverage Do Ukrainians Need?
Ukraine continues to raise the requirements for the length of insurance coverage needed to qualify for retirement. Starting in 2027, citizens who plan to retire at age 60 will need to have accumulated more years of official insurance coverage.
These changes are part of the pension reform, which is scheduled to be completed in 2028.
In 2027, Ukrainians will need at least 34 years of insurance coverage to retire at age 60.
For those planning to retire at age 63, the minimum requirement will be 24 years of insurance coverage.
At the same time, the requirements will remain unchanged for citizens who apply for retirement at age 65. They will need to have at least 15 years of insurance coverage.
The gradual increase in requirements will continue until 2028. Once the pension reform is complete, retiring at age 60 will require 35 years of official insurance coverage.
To qualify for a pension at age 63, the requirement will increase to 25 years of coverage.
However, the minimum requirement for retiring at age 65 will remain unchanged at 15 years of insurance coverage.
Therefore, Ukrainians planning to retire in the coming years should take into account the gradual increase in the required insurance history, especially for retirement at ages 60 and 63.
At the beginning of 2026, the average pension for women in Ukraine was approximately 5,500 UAH, while men received an average of 7,500 UAH. Thus, the difference was approximately 2,000 UAH.
Ukrainian insurance coverage does not guarantee that a pension will automatically be maintained after a retiree moves abroad. In some cases, the Pension Fund of Ukraine may refuse to grant or recalculate benefits or may suspend a pension that has already been granted.
