Пенсійна реформа 2025 року: як тепер будуть нараховувати пенсії?

Introduction

This tutorial provides a comprehensive overview of the new pension reform in Ukraine as discussed in the video featuring lawyer Ivan Khomyts and author Oleksandr Dubrovskyi. The reform, effective in 2025, introduces a new formula for calculating pensions, which is crucial for understanding how future pensions will be determined.

Step 1: Understanding the New Pension Calculation Formula

The new pension calculation formula is designed to provide a more equitable distribution of pension benefits. Here’s how to break it down:

• Base Salary Consideration: The formula takes into account the average salary over a specific period, instead of just the final salary before retirement.
• Years of Service: The number of years a person has contributed to the pension system will significantly impact the pension amount.
• Indexation of Pensions: Pensions will be adjusted based on inflation and wage growth, ensuring that pensions retain their purchasing power.

Practical Advice

• Stay informed about your average salary history and ensure your employment records are accurate.
• Regularly check how many years you have contributed to the pension system.

Step 2: Key Components of the Pension Reform

The pension reform introduces several key components that affect how pensions will be calculated:

• Minimum Pension Guarantee: A minimum pension level is established to support those with lower contributions.
• Increased Contribution Rates: Future contributors may face higher rates, which will affect their take-home pay but will lead to higher pensions later.
• Retirement Age Adjustments: The retirement age may be gradually increased, depending on demographic factors.

Practical Advice

• Consider how changes in contribution rates may affect your financial planning.
• Plan for retirement age adjustments by saving more or investing wisely.

Step 3: Steps to Prepare for the Reform

To ensure you are ready for the upcoming pension changes, follow these steps:

1. Review Your Pension Statement: Check your current pension status and contribution history.
2. Consult with an Expert: Schedule a free consultation with a legal advisor specializing in pensions to clarify any doubts you have.
3. Adjust Your Savings Plan: If necessary, increase your savings or investment contributions to compensate for potential lower pension amounts.

Common Pitfalls to Avoid

• Do not ignore updates from the pension fund or legal advisors about the reform.
• Avoid waiting until the last minute to understand how the changes affect you.

Conclusion

The upcoming pension reform in Ukraine brings significant changes to how pensions are calculated. Understanding the new formula, key components, and steps to prepare can help you navigate these changes effectively. Stay proactive in reviewing your pension status and consulting with experts to secure your financial future. Keep an eye on official announcements for any further details regarding the reform's implementation.