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Erken emeklilik te yaşa takılanlara müjde gibi bir haber SGK 'dan geldi. Erken emeklilikte yaşa takılanlar için yeni bir fırsat doğdu. Bu bağlamda Çırak, çırak ve işletmelerde mesleki eğitim gören öğrenciler için yetişim döneminde, iş kazası ve meslek hastalığıyla hastalık sigortası hükümleri uygulanıyor. Ek olarak bunlar SSK (4/1-a) kapsamında sigortalı sayılıyor.
İKİ İHTİMAL SÖZ KONUSU
Edinilen bilgiye göre, konuyla ilgili bir kanun teklifi hazırlanıyor. Tasarı kısa sürede Meclis'e gelecek. Teklife göre, stajyer ve çırakların erken emekli olma sı için 2 yol bulunuyor. Birincisi stajyer ve çırakların çalışma başlangıçlarının doğrudan emeklilik başlangıcı kabul edilmesi. İkincisi ise staj ve çıraklıkta geçen süreye, askerlikte olduğu gibi borçlanma hakkının verilmesi. Sözü edilen 2 kanun teklifinden biri kabul edilir ve yasalaşma imkânı olursa, 2000 yılı öncesinde stajyer ya da çırak olarak çalışan yüz binlerce kişi erken emeklilik fırsatını yakalamış olacak.
NE ZAMAN EMEKLİ OLURUM - TIKLA ÖĞREN
YARGITAY KARARI VAR
Yargıtay Hukuk Genel Kurulu'nun 6 Nisan 2016 tarihinde verdiği 2016/481 sayılı kararı (Esas no: 2014/10-454), Almanya'daki gurbetçilere, mesleki eğitim gördükleri dönemde yatırılan zorunlu primlerin sigortalılık başlangıcı olarak kabul edilmesini sağladı. Böylece gurbetçiler, borçlandıkları takdirde daha erken emekli olabiliyor.
1260 GÜNÜ ZORLA
Emeklilik planlamasında öncelikle hangi statüden emekli olunmasının kişiye parasal anlamda ve erken emeklilik anlamında cazip geldiğinin araştırılması ve hesaplamaların buna göre yapılması gerekiyor. Hatta mümkünse son 3.5 yıl (1260 gün) tavan ücret ten yatırılmalı. SSK bu anlamda hem maaş hem de yaş şartı açısından daha avantajlı konumda.
ASGARİ ÜCRETTEN
Emeklilikte yüksek maaş almayı herkes ister. Yüksek maaşın püf noktası SGK 'ya yüksek kazanç bildirmekten geçiyor. Asgari ücret ve hemen üzeri gibi rakamlarla primleri ödenen kişilerin emekli aylıkları çalıştıkça düşüyor. Maaşı düşük gösterilen itiraz etsin. Buna karşılık 3700-4000 lira kazancı olan kişilerin de çalıştıkça emekli maaşları her yıl 50-100 TL artıyor. Emekilik için primi tamamlayanların çalışmaya devam etmesi gerekiyorsa, çalıştıkları yerde tavandan ki bugün için 15.221 lira üzerinden kazanç bildirmesi ise maaşı artıran diğer bir unsur. Elbette herkese bu tutar üzerinden maaş ödenmiyor. Ancak bunun da bir formülü var. O da sigortalı adına örneğin 5 gün tavan ücret in günlük tutarı (507.36 TL) üzerinden yani yani 2536 TL ödemek.
5 GÜN TAVANDAN GÖSTERİLİRSE
Emekilik için primi tamamlayanların çalışmaya devam etmesi gerekiyorsa, çalıştıkları yerde tavandan ki bugün için 15.221 lira üzerinden kazanç bildirmesi ise maaşı artıran diğer bir unsur. Elbette herkese bu tutar üzerinden maaş ödenmiyor. Ancak bunun da bir formülü var. O da sigortalı adına örneğin 5 gün tavan ücret in günlük tutarı (507.36 TL) üzerinden yani yani 2536 TL ödemek.
KÜÇÜK HAMLEYLE YÜKSEK MAAŞ
Emekli olurken doldurulan 'Tahsis Formu 'nun bakmakla yükümlü kişi hanesine 'eş', 'çocuk' gibi yakınlarınızı ekleyin. Bu maaşınızı yüzde 5 artırır. Halen sigortası olmayanlar acele etmeli. Çünkü yaş şartı kadelemeli 65'e çıkacak. Ayrıca, Mayıs 2008'den sonra işe girenler de 7200 gün primi biran önce tamamlamalı. Yoksa emeklilik 65 yaşına kadar hayal olur.
İKİNCİ SİGORTALILIK
Eğer imkanınız varsa birden fazla yerde sigortalı çalışmak prime esas kazancınızı yükseltecektir. Kaç yerde sigortalı olursanız olun bir ayda 30 gün sayılır. Ancak kazancınız toplanacağından yükselir.
SON 3.5 YIL ÖNEMLİ
Hangi kurumda olursanız olun son 3.5 yılda (1261 gün) SSK 'lı olursanız emekliliğiniz SSK şartlarından hesaplanacak. Yüksek kazanç bildirerek hem daha erken emekli olur hem de yüksek maaş alırsınız.