The article is devoted to the study of the factors of formation of employee's pension rights, which do not depend on him or her and are controlled by regulatory legislation. At the same time, the social and economic rights of the insured are severely restricted. Thus, there is a problem of expanding the conditions for combating poverty among pensioners. As a result, it is proved that in order to reduce the poverty of pensioners, it is necessary to reduce the restrictions on the formation of pension rights during the working life of the employee. The urgency of the problem is reinforced by the repeated instructions of the President of the Russian Federation on the creation of objective conditions for all categories of citizens to lead a decent and prosperous life, regardless of the forms of employment in working age. To this end, it is necessary to eliminate formal and informal restrictions that do not allow an employee to form pension rights above the minimum level of consumption. In Russia, for the next budget period 2025 and the planning period 2026-2027, serious parametric changes in the mechanism of formation of pension rights for both working and non-working pensioners are planned, but none of the considered problems were reflected in this innovation. The article is of professional interest to specialists dealing with public pension systems, as well as to a wide range of people interested in improving the financial literacy of the population.