Ukrainians who do not have enough insurance coverage for retirement can officially “buy” the necessary years by paying voluntary contributions to the Pension Fund, while drawing up an agreement and making payments is allowed both for themselves and for another person, in particular for parents. In 2026, you can only buy experience for periods when a person did not work officially and was not an individual entrepreneur, and this can be done both in person and online through the Pension Fund portal. This was reported by the State Tax Service of Ukraine (STS). The insurance period is one of the key criteria for assigning a pension.

Most often, this opportunity is used by Ukrainians who, before retiring, discovered that they lack several months or years of insurance experience. This is also relevant for those who worked abroad without paying contributions to the Ukrainian system, had long breaks in official work or received a low official salary and want to increase their future pension.

In addition, the law allows you to pay contributions not only for yourself, but also for another person, if he is not yet a pensioner. It is important that you can only redeem insurance coverage for periods after January 1, 2004. Moreover, it must refer to the time when a person:.

If a citizen had the status of an insured person, but contributions were not paid for certain reasons, for example, during certain grace periods, it is no longer possible to acquire such experience.

To apply online, you must log in using CEP, Diya. Signature or GOV. ID, go to the “Interaction with PFU” section, select a voluntary participation agreement, fill in the necessary data, sign the document with an electronic signature and make payment. After the funds are credited, the information will automatically be displayed in your personal account, where you can check your updated insurance record.

Updated minimum contribution amounts will apply in 2026. With a one-time payment for past periods, the minimum contribution is UAH 3,804.68 for each month of insurance coverage. Funds must be transferred in one payment within 10 days after the conclusion of the agreement.

There is another option - voluntary participation in the social insurance system.. In this case, the contract is concluded for at least one year, and the minimum payment is 1902.34 UAH per month. Additional documents may be required for certain categories of citizens. For example, members of private peasant farms must confirm their status, and domestic workers must provide a copy of their employment contract.

At the time of conclusion of the contract, a person should not be subject to compulsory state social insurance. In addition, failure to comply with the terms of the contract may become the basis for its early termination, which will make it impossible to conclude a similar contract in the future..