Russia, like all countries around the globe, is attempting to address the issue of population aging, which is placing increased pressure on the insurance burden on working citizens, their employers, and the broader economic system. Consequently, the pension system in any country is being subjected to a process of revision and reform, which serves as an indicator of its overall level of well-being. Despite the relatively brief period of time that has elapsed since the inception of pension reforms in the Russian Federation, the country has already amassed a considerable and diverse array of experiences and insights. Nevertheless, the establishment of an effective system has yet to be achieved, despite the considerable expansion of the retirement age threshold. Russia exhibits a markedly elevated degree of territorial disparity with respect to pension remuneration; and this phenomenon is becoming increasingly pronounced at the intraregional level. The objective of this study was to identify the regional characteristics of pension provision and to conduct a comprehensive evaluation of the factors and circumstances that contribute to its territorial differentiation. Through an in-depth examination of the regional pension system, the authors have identified areas of differentiation and have proposed additional indicators to assess the extent and complexity of these differences in pension provision for citizens. This approach enables to gain a nuanced understanding of the intraregional factors influencing pension systems.