Сучасний стан пенсійного страхування в Україні

Abstract

The current state of pension insurance in Ukraine constantly requires additional research that would update its development indicators, reveal new trends in its development, justify the feasibility of its reform, and take into account the influence of various factors. The purpose of the study is that based on the assessment of the current state of the pension insurance system in Ukraine, it is necessary to identify the main problems of its development and substantiate practical recommendations on the directions of reforming the social policy of the state regarding pension provision. The compulsory state pension insurance indicators in Ukraine, conducted by the Pension Fund of Ukraine for 2018-2022, were evaluated, which revealed the main trends of development and outlined the main problems. The performance indicators dynamics of non-state pension funds in Ukraine over the past five years has been investigated, trends in the development of accumulative non-state pension insurance have been outlined. The life insurance market in Ukraine is investigated and the voluntary pension insurance indicators are analyzed separately, which provides for the achievement by the insured person of the retirement age determined by the contract. The bank deposits dynamics of households in Ukraine as the potential of additional pension provision of the population is considered. It is proposed to motivate by the state creating corporate non-state pension funds. The practice spread of concluding pension insurance contracts with insurance companies by employers would create an additional source of pension payments and reduce the financial burden on the budget of Ukraine. The existing proposals for reforming pension insurance in Ukraine will contribute to increasing the confidence of the country’s population in both state pension provision and non-state pension insurance.