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Az primi olana emeklilik imkanı Tam emeklilik için yeterli primleri bulunmayanlar üzülmesin, onlar için de imkanlar var. Bunun için işe girdiğiniz tarih büyük önem taşıyor. takvim.com.tr Kaynak GAZETE Giriş Tarihi : 21 Mayıs 2019
E meklilik her çalışanın hayali. Uzun çalışma süreleri ve bekleme zamanının sonunda emekli olarak garanti bir maaşa kavuşmak istiyorlar. Dahası birçok vatandaş emekli olduktan sonra da çalışmaya devam ederek
çifte maaş alma hayali kuruyor . Ancak emekli olmak kolay değil. Bunun için belli bir süre sigortalı olarak beklemek, belli bir yaşa gelmek gerekiyor. Tabii en önemlisi de işe giriş tarihine göre belirlenen belli sayıda primi ödemek lazım. Primi ya bir işyerinde çalışarak ödüyorsunuz ya da kendi işinizi yaparak. Bunun dışında isteğe bağlı sigorta yapılarak da prim tamamlanıyor. Ayrıca borçlanma imkanlarıyla da prim kazanılıyor. Bütün bunlara rağmen yeterli sayıda primi olmayan vatandaşların imdadına mevzuatımız yetişiyor. Yeterli primi olmayan ya da çalışma yaşını geçirmiş durumdaki sigortalılar için
3600 günle ve 4500 günle emeklilik olmak üzere iki ayrı formül bulunuyor.
10 YIL YETERLİ OLUYOR 9 Eylül 1999 ve öncesi sigortalı (4A-SSK) olan çalışanlar için 10 yıllık primle emeklilik imkanı bulunuyor. Burada 10 yıllık prim (3600 gün) ile birlikte sigortalı olunan tarihten bugüne 15 yıl geçmesi gerekiyor ki, bu zaman da çoktan doldu. Böylece sigortalı olduktan sonra fazla çalışma imkanı bulamayan, özellikle kadın sigortalılar için
sistem emeklilik imkanı sunuyor . Üstelik bu primleri çalışarak doldurmak da şart değil. Borçlanma imkanı da var. Kadınlar 08.09.1981 tarihinden önce işe girmiş ise, 3600 prim gününü tamamlayarak
50 yaşını doldurduktan sonra başka şarta bakılmaksızın emekli oluyor. Erkekler ise 08.09.1976 tarihinden önce ilk defa sigortalı olmuşlarsa yine 3600 günü tamamladıktan sonra
55 yaşında başka şarta bakılmaksızın emekli olabiliyor.
KADEMELİ YAŞ DEVREDE Bu tarihlerden sonra 9 Eylül 1999'a kadar işe girenler için ise
yaş ve kademe devreye giriyor . İlk defa işe girdiğiniz tarih ve 3600'ü tamamladığınız tarihe göre kadınlarda yaş 58'e, erkeklerde ise 60'a kadar yükselebiliyor. Burada 15 yıl, 3600 gün ile kadınlarda 50, erkeklerde 55 yaş şartlarından hangisi en son gerçekleşmişse o tarihe göre emeklilik belirleniyor. 3600 gün prim şartını tamamlamak için çalışmak gerekmiyor. Erkekler sigortadan sonraki askerlikleri, kadınlar ise 3 doğumu borçlanabilir. Böylece
erkekler 540, kadınlar 2160 gün kazanabilir .
25 YIL ŞARTINA DİKKAT! 9 Eylül 1999 sonrasında sigortalı olanlar için ise emeklilik şartları biraz daha zorlaştı. Burada emeklilik yaşı kadınlar için 58, erkekler için ise 60'tan başlıyor. Prim gün sayısı ise 7000 günden başlayarak 7200 güne kadar çıkıyor. Ancak yine kısmi emeklilik şansı var. Yani çalışma imkanı olamayanlar için bu kez devreye 4500 günle emeklilik sistemi giriyor. Daha önce 3600 gün olan prim sayısı şartı 9 Eylül 1999 sonrası için
4500 güne çıkıyor . Ayrıca 25 yıllık sigortalılık şartı da bulunuyor. Yaş şartı ise kadınlarda 58, erkeklerde 60 oluyor. Yani 9 Eylül 1999 sonrası sigortalı olan birisi kısmi emeklilik isterse öncelikle 4500 günü doldurmak zorunda. Sonra işe girdiği tarihten itibaren 25 yıl geçmesi lazım ve kadınların 58, erkeklerin 60 yaşına ulaşması gerekiyor.
TAZMİNAT ALINABİLİR 10 yıl ve 12.5 yıllık çalışmalar her ne kadar emeklilik imkanı tanısa da aynı zamanda kıdem tazminatı alma yolunu da açıyor. Yani 9 Eylül 1999 öncesi sigortalı olup 3600 gün çalışması olanlar istifa etseler de kıdem tazminatı alabiliyor. Bunun için öncelikle Sosyal Güvenlik Kurumu'ndan bir yazı almalısınız. 15 yıl ve 3600 günü doldurduğunuza dair hazırlanacak bu yazı ile işyerinize başvurarak kıdem tazminatınızı alabilirsiniz. Tabii kıdem tazminatı alabilmek için aynı işyerinde en az 1 yıldır çalışıyor olmanız gerekiyor. 9 Eylül 1999 sonrasında sigortalı olanlar için ise 4500 gün yani 12.5 yıllık prim ile 25 yıl gerekiyor. Bu şartları taşıyanlar da Sosyal Güvenlik Kurumu'ndan yazı alarak tazminatlarını talep edebilir.
4 GÜN YOL İZNİ HAKKI VAR 14 gün yıllık iznim var fakat şirket hepsini yazın vermiyor. Ne yapabilirim? Salih ERDEM 4857 sayılı İş Kanunu'nun 60. Maddesi'nce hazırlanarak yürürlüğe konulmuş olan yıllık ücretli izin yönetmeliğinin 7. Maddesi'nde izni talep etme usulünün nasıl olması gerektiği açıklanmıştır. Bahsedilen maddeye göre, işçi izin isteğini en az 1 ay önceden işverene bildirmelidir. Yıllık ücretli izin yönetmeliğinin 8. Maddesi'nde; işverenin işçinin izin kullanma tarihi ile bağlı olmadığı, işçinin talebi ve iş durumu dikkate alınarak izin döneminin belirleneceği ifade edilmiştir. Madde 56'ya göre yıllık ücretli izin işveren tarafından bölünemez. Bu iznin 53'üncü Madde'de gösterilen süreler içinde işveren tarafından sürekli bir şekilde verilmesi zorunludur. (Değişik üçüncü fıkra: 14/4/2016-6704/16 md.) Ancak, 53'üncü Madde'de öngörülen izin süreleri, tarafların anlaşması ile bir bölümü 10 günden aşağı olmamak üzere bölümler halinde kullanılabilir. İşveren tarafından yıl içinde verilmiş bulunan diğer ücretli ve ücretsiz izinler veya dinlenme ve hastalık izinleri yıllık izne mahsup edilemez. Yıllık ücretli izin günlerinin hesabında izin süresine rastlayan ulusal bayram, hafta tatili ve genel tatil günleri izin süresinden sayılmaz. Yıllık ücretli izinleri işyerinin kurulu bulunduğu yerden başka bir yerde geçirecek olanlara, istemde bulunmaları ve bu hususu belgelemeleri koşulu ile gidiş ve dönüşlerinde yolda geçecek süreleri karşılamak üzere işveren toplam 4 güne kadar ücretsiz izin vermek zorundadır. İşveren, işyerinde çalışan işçilerin yıllık ücretli izinlerini gösterir izin kayıt belgesi tutmak zorundadır. Yıllık ücretli izin günlerinin hesabında izin süresine rastlayan ulusal bayram, hafta tatili ve genel tatil günleri izin süresinden sayılmaz.
PRİMLERİNİZİ İHYA EDEBİLİRSİNİZ İlk çiftçi Bağ-Kur'uyla sigortaya giriş yaptım. Ama hiç prim ödemedim. Sonra SGK'lı bir işe girdim. Çiftçi Bağ- Kur'undan hiç faydalanmadım. İşsiz olduğum dönemlerde Bağ-Kur'dan yararlanmak için Bağ-Kur borcumu çıkarttım ve iki taksit ödedim (700 lira) ama faydalanamadım. SGK'lı bir işe girdim ve devam ediyorum. e-Devlet'te 29 gün 4B zorunlu prim görünüyor. Ödenen tutar e-Devlet'te var. Çiftçi Bağ-Kur'um iptal olmuş. Borcum da görünmüyor. Sebahattin KARABULUT Bağ-Kur borcunuz kaç gün içindi, bunu bilmemiz gerekiyor. SGK'ya giderek ödediğiniz primlerin karşılığı olan günleri görebilirsiniz. Ödemediğiniz primler silinmiş olabilir. Bunları da ihya ile yeniden satın alabilirsiniz.
HASTALIKTAN HAKLI FESİH HAKKI YOK 5.5 yıl otelde kat görevlisi olarak çalıştım. 1978 doğumluyum. Şu an bel fıtığım var, menisküsten de ameliyat oldum. Kendi isteğim ile işten ayrıldım. Tazminatımı alabilir miyim? Sevgi KÖKSAL Kendi isteği ile ayrılana tazminat ödenmiyor. İnşallah yeni reform ile bu sorunlar çözülecek. Haklı fesihte sağlık bölümü var ama bu işyerinde bulaşıcı bir hastalık durumunda devreye giriyor.
KENDİ AYRILAN TAZMİNAT ALAMAZ 1984 doğumluyum. 2002'de sigortaya giriş yaptım. 3400 gün primim var. Doğumdan dolayı ücretsiz izindeyim. Çocuğuma bakacak kimse olmadığı için işten ayrılmak zorundayım. Tazminatımı alabilir miyim? Asli VURKAN Kendi isteğiniz ile ayrılırsanız alamazsınız. İlk işe giriş tarihiniz önemli. Evlendikten sonra 1 yıl içinde işten ayrılanların, tazminat hakkı var.
EMEKLİLİK HESABI 12.01.1982 doğumluyum. 15.09.1997'de stajyer başlangıcım var. Normal prim 10.10.1998'de başladı. 12.01.2000'de reşit olduğuma göre ilk işe giriş tarihim hangisi olacaktır? Özcan YILMAZ Stajyerlik emeklilik hesabında sayılmıyor. 57 yaşında emekli olursunuz. Başlangıcınız 10.10.1998. 18 yaş, yıl hesabında geçerli oluyor.
Eşim 1996'da işe başlamış. 2500 günü var. İki çocuk ödemesi yaparak, 55 yaşında 3600 günden emekli olabilir mi? Rıza YILMAZ Eğer çocuklar sigortadan sonra doğmuşlarsa borçlanma yapabilir. İki çocuk için 1440 gün kazanılır. 1100 gün ödeyerek de 3600 güne tamamlarsınız. Ancak yaş şartı 58 olur.
14.03.1976 doğumluyum. Sigorta başlangıcım 01.08.1998. 5677 gün primim var. 05.1996 /11.1997 arasında askerlik yaptım. Hüseyin SARI 25 yıl, 57 yaş ve 5900 gün şartlarınız var. Yılınız ve priminiz henüz dolmamış. Yaşınız da daha tam değil. Üçünü de tamamlamak gerekiyor. Yaş şartını ancak 15 aylık bir askerlik borçlanması yaparak, bir yıl geriye çekebilirsiniz. O zaman 56 yaş ve 5825 gün şartlarıyla emekli olursunuz.
1974 doğumluyum. 01.10.1993 sigorta girişim, 5635 günüm var. 1998-2000 arası askerliğimi yaptım. Emeklilik yaşım kaç olur? Ecevit AK 25 yıl, 54 yaş ve 5675 gün şartlarınız var. Primi tamamlayıp yaşı bekleyeceksiniz.
Doğum tarihim 01.01.1967. Sigorta girişim Haziran 1996. 7030 gün primim var. Yağmur BUĞRA SEMİZ 20 yıl, 53 yaş ve 5900 gün gerekiyor. Yılınız ve priminiz tamam. Yaşınızın dolacağı 1 Ocak 2020'de emekli olursunuz.
1964 doğumluyum. 1989'da SSK'lı işe girdim. 4396 gün SSK'dan, 240 gün Bağ-Kur'dan primim var. Emekli olabilir miyim? Fatma ATASOY Tam emeklilik için 5300 gün gerekiyor. 3600 günden emeklilik için ise 58 yaş gerekiyor.
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