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Publication date: 10.06.2024
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Publication date: 10.06.2024
The appointment of an old-age pension in Ukraine is an important stage of social protection of citizens. Age pension is granted on the basis of reaching a certain age and having sufficient work experience. Here are the main aspects of the process of assigning an old-age pension in Ukraine:
- The main conditions for assigning an old-age pension.
Age:
• For men, the retirement age is 60.
• For women, the retirement age is gradually increasing and by 2024 it will be 60 years old.
Insurance experience:
• The minimum required insurance experience for retirement by age is gradually increasing. By 2024, the minimum required experience is 31 years. This requirement increases by one year each year until reaching age 35 in 2028.
The procedure for assigning a pension.
Collection of documents:
• Passport or other identity document.
• Identification code (RNOKPP).
• Employment book or other documents confirming employment and insurance experience.
• Salary documents (if necessary).
• Military ID (for men).
• Other documents that may be necessary to confirm insurance experience or special retirement conditions (for example, documents on education, child care, etc.).
Application submission:
• The pension application is submitted to the Pension Fund of Ukraine. This can be done in person, through a representative, or online through the Pension Fund's electronic services web portal.
Application review:
• The pension fund examines the application and makes a decision on granting a pension or refusing to grant it (with reasons).
Purpose of pension:
• In case of a positive decision, the pension is granted from the day when the application was submitted. The pension is paid monthly.
Additional conditions.
• Preferential service: For some categories of employees who worked in harmful or special conditions, there are special retirement conditions (for example, according to list #1 or #2).
• Social pensions: Citizens who do not have sufficient insurance experience can receive a social pension after reaching the age of 65 (for women - 63 in 2024).
Documents and services online.
• The web portal of electronic services of the Pension Fund of Ukraine allows you to apply for a pension and receive consultations online.
Consultation of a lawyer / consultation of a lawyer - Applying to the Pension Fund of Ukraine for the appointment of an old-age pension provides citizens with the opportunity to receive well-deserved social security based on their work and insurance experience.
The rules for calculating insurance length of service in Ukraine are determined by legislation and take into account different periods of labor activity for which insurance contributions were paid to the Pension Fund. Here are the main aspects of calculating the insurance period:
- Basic principles of calculation of insurance experience.
Terms:
• The insurance period is calculated in months. One month is included in the insurance period, if the single social contribution (SSI) is paid for this month at least the minimum contribution.
Minimum insurance premium:
• The minimum insurance contribution is defined as the product of the minimum wage and the rate of social security (22%). If less than the minimum contribution is paid, then this period is not included in the insurance period.
Periods that are included in the insurance period.
Periods of work under the employment contract:
• All periods when a person worked under an employment contract and insurance premiums were paid for him are included in the insurance experience.
Periods of entrepreneurial activity:
• Periods when a person was registered as an individual entrepreneur (FOP) and paid ESSV.
Periods of self-employment:
• Periods when the person was self-employed (attorneys, notaries, etc.) and paid ESS.
Child care periods:
• Periods of leave in connection with pregnancy and childbirth, leave to take care of a child up to three years old, as well as additional leave to take care of a child with a disability.
Military Service:
• Periods of service in the Armed Forces of Ukraine and other military formations.
Teaching:
• Periods of study in higher educational institutions, vocational and technical schools and other educational institutions (until 2004).
Calculation of seniority with part-time working time.
Part-time:
If the employee worked part-time and insurance premiums were paid for him in full, then this period is included in the insurance experience as a full month.
Additional provisions
Periods of temporary incapacity:
• Periods when the employee received temporary disability benefits.
Periods of receiving unemployment benefits:
• Periods when a person received unemployment benefits and was registered at the employment center.
- Experience before the introduction of personalized accounting (until 2000)
Documentary confirmation:
Periods of work up to January 1, 2000 are included in the insurance record, provided there are documents (work book, certificates from enterprises, etc.) confirming work.
Calculation of insurance experience
Electronic office:
On the web portal of electronic services of the Pension Fund of Ukraine, you can check information about your insurance history and paid contributions.
Analysis of documents / legal analysis of the situation - The correct calculation of the insurance period is important for determining the right to an old-age pension and calculating its amount. This ensures that every employee receives the social security they deserve based on their work performance.
You can check the information about the paid insurance premiums and, accordingly, the inclusion or non-inclusion of work periods in the insurance record with the help of certificates OK-5/OK-7 or through a personal account on the website of the Pension Fund of Ukraine.
- References OK-5 and OK-7.
Reference OK-5:
• Contains information on paid insurance premiums and accrual of insurance experience for a certain period.
• Includes data on wages from which contributions were paid and number of days worked.
Reference OK-7:
• Submitted if necessary to confirm information about paid insurance premiums.
• Can be used to check data on total insurance experience.
Through the web portal of electronic services of the Pension Fund of Ukraine:
• Log in to your personal account.
• Select a section for ordering references.
• Select the required certificate (OK-5 or OK-7) and fill in the appropriate fields.
• The help can be downloaded in PDF format or received by e-mail.
In person at the branch of the Pension Fund of Ukraine:
• Contact the nearest branch of the Pension Fund.
• Present your identity document and identification code.
• Order a certificate from a Pension Fund employee.
Written consultation / verification of documents by a lawyer - Using these tools helps citizens of Ukraine to effectively manage their pension information and be confident in their future pension security.
The difference between insurance and work experience.
- Seniority.
Definition:
• Length of service is the total period of employment during which a person worked and for which there are relevant entries in the employment book.
Accounting:
• Work experience takes into account all periods of official work, including time of study, military service, parental leave and other periods recognized by law as work experience.
Application:
• Work experience was used before the introduction of personalized accounting in 2000 and was the basis for calculating pensions during the Soviet period and the first years of Ukraine's independence.
Insurance experience.
Definition:
• Insurance period is the period during which a person was subject to mandatory state social insurance and for which insurance contributions were paid to the Pension Fund of Ukraine.
Accounting:
• Insurance length of service is calculated on the basis of data on the payment of insurance premiums. Only those periods for which the single social contribution (SSI) in the amount of at least the minimum is paid are taken into account.
Application:
• Insurance length of service is the basis for calculating pensions and other social benefits after 2000, when the personalized accounting system was introduced.
The main differences.
Calculation:
• Work experience: Takes into account the total period of work regardless of the payment of contributions.
• Insurance experience: Takes into account only the periods for which insurance premiums have been paid in the specified amount.Data sources:
• Work experience: It is determined on the basis of the work book and other documents confirming work activity.
• Insurance experience: It is determined on the basis of the data of the Pension Fund of Ukraine on the payment of social insurance.
Periods:
• Work experience: Takes into account all periods of work, including training, service, vacations and other periods defined by law.
• Insurance history: Takes into account only periods for which insurance premiums have been paid.
Impact on pension:
• Length of service: Used until 2000 to calculate pension.
• Insurance experience: Used to calculate pensions and other social benefits after 2000.
Lawyers documents / lawyer's help online - Thus, work experience and insurance experience have different accounting principles and affect different aspects of social security.
If a person does not have enough insurance experience to qualify for a pension, there are several options to remedy this situation:
- Addition of insurance experience.
Voluntary payment of EUV:
• A person can voluntarily pay a single social contribution (USC) to increase his insurance period.
• For this, it is necessary to conclude an agreement with the Pension Fund of Ukraine on voluntary participation in the system of mandatory state social insurance.
Additional purchase of insurance experience:
• It is possible to buy up missing periods of insurance experience.
• For this, it is necessary to apply to the Pension Fund of Ukraine and pay contributions for the required months. The cost of one month of experience is defined as 22% of the minimum wage at the time of payment.
Postponement of retirement.
Continuation of employment:
A person can continue to work officially in order to accumulate the necessary insurance experience.
In this case, it is necessary to make sure that the corresponding contributions to the Pension Fund are paid for all periods of work.
Receiving a social pension.
Social pension:
If a person has reached retirement age, but does not have the necessary insurance experience, he may be entitled to receive a social pension.
Social pension is granted from the age of 65 (for women - 63 years in 2024) in the absence of the necessary insurance experience.
How to conclude an agreement on the voluntary payment of EUV.
Prepare the documents:
Passport or other identity document.
Identification code (RNOKPP).
Contact the Pension Fund of Ukraine:
Visit the branch of the Pension Fund at your place of residence.
Submit an application for the conclusion of an agreement on the voluntary payment of EUV.
Enter into a contract:
Sign the contract on voluntary participation in the mandatory state social insurance system.
Determine the period for which you will pay contributions and the amount of contributions.
Pay contributions:
Pay installments regularly in accordance with the terms of the contract.
Keep your payment receipts for proof.
Legal opinion / lawyer online - If a person has not completed the required insurance period, there are various ways to solve this problem, including voluntary payment of contributions, continued work, receiving a social pension or checking and correcting documents.
