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Hizmet borçlanması nasıl yapılır ? SSK , Emekli Sandığı ve BAĞ-KUR kapsamında sigorta lı olarak çalışanların 3600 günden emekli olması için; sigortalılık süresi, işçinin yaşı ve prim günü miktarına bakılıyor. Tüm bu şartların yanı sıra; kişilerin sigorta başlangıç tarihi de emeklilik zamanını doğrudan etkiler. Çalışanların belirlenen şartları yerine getirdikleri durumlarda emekli olması mümkündür. Sigorta başlangıç tarihi, 15 yıllık sigorta süresi ve 3600 prim günün doldurulma zamanın hesaplanmasında dikkate alınan bir faktördür. Emeklilik, yaşlı vatandaşların hayati ihtiyaçlarını karşılamak için kullandığı en önemli gelir kapısıdır. Bu nedenle emekli olmak her vatandaşın hayalini süsler. Normal koşullarda vatandaşların emeklilik maaşı alabilmesi için belirlenen şartlara uygun olması gerekir.
SİGORTALILARIN BORÇLANABİLECEĞİ HİZMET SÜRELERİ NELERDİR?
SGK 'ya bildirilen kadın çalışanların doğum öncesindeki ve sonrasındaki süreyi kapsayan iki yıllık primleri doğum borçlanması ile ödemesine imkan verilir. Doğum borçlanması; en fazla üç çocuk olmak için toplamda 6 yıl daha erken emekli olmanın önü açar. Doğum borçlanması hakkından yararlanmak için kadınların sigorta başlangıç tarihinden sonra doğumun gerçekleşmesi gerekir. Son olarak doğum nedeniyle iş hayatından uzak kalınan süre için kadınların adına kendisi ve işvereni tarafından prim ödenmemelidir.
SGK 'ya bildirilen erkek sigorta lıların vatani görevini yerine getirmek için çalışma hayatından uzak kaldıkları dönemde; adına ödenmeyen primler için askerlik borçlanması ile geriye dönük olarak borçlanma yapabilmesine izin verilmiştir. Askerlik borçlanması ile erkek çalışanların erken emekli olabilmesi için sigorta başlangıç tarihinden önce askerlik görevinin yerine getirilmesi şarttır. Askerlik borçlanması kapsamında er ve erbaş olarak silah altında geçirilen ve yedek subaylık okulunda eğitim için geçen süreler dahil edilir.
HİZMET BORÇLANMASI BAŞVURUSU NASIL YAPILIR?
Kişilerin ilgili hizmet borçlanmasına dair resmi başvurularını SGK 'ya iletmeleri gerekir. SGK üzerinden yapılan bizzat başvuruların yanında e-Devlet kapısından online başvuru hizmeti de tercih edilebilir.
ERKEN EMEKLİLİK ŞARTLARI NEDİR?
1999 ve öncesinde sigorta girişi bulunan kişilerin erken emeklilik ten yararlanması için ilk adımda sigorta başlangıç tarihine bakılır. Başlangıç tarihinin hemen ardından ise; prim süresi emeklilik için etkilidir. İşveren tarafından işçinin 3600 gün prim ödemesinin kesintisiz olarak yapılması şarttır.
• 1999 ve öncesi sigorta girişine sahip kişilerin emekli olabilmesi adına SSK , Emekli Sandığı ve BAĞ-KUR bünyesinde sigortalı olarak çalışması gerekir.
• 1999 ve öncesinde sigorta girişi bulunanların 15 yıllık sigortalılık süresini tamamlamış olması ve emeklilik için işvereninden onay çıkması da aranılan şartlar arasındadır.
• 1999 ve öncesi sigorta girişine sahip olanların emekli olma şartında; sigorta girişinin 9 Eylül 1999 ve öncesine ait olması gerekir. Emeklilikte staj başlangıç tarihi dikkate alınmaz.
1999 yılından önce sigorta başlangıcı olanların emekli maaşları, 1999 yılından sonra emekliliği hak edenlerden daha yüksektir. 1999 yılından önce sigortalı olanlar için emeklilik maaşı en düşük 1600 TL olarak belirlenmiştir. Emeklilik maaşları kişilerin prim ödemelerinin miktarına bağlı olarak değişir. Eğer kişinin prim ödemesi en yüksekten yapıldıysa; emeklilik maaşının daha fazla olması da söz konusudur.
Erken emeklilik için belirlenen şartlara uygun olanlar, emeklilikte aranılan yaş kriterinden ayrı tutulurlar. 3600 prim günün tamamlandığı tarih kişilerin emekli olma zamanını belirler. Halk arasında kısmi emeklilik olarak isimlendirilen 1999 yılı ve önce sigorta girişi olanların erken emekliliği için 3600 prim günün tamamlandığı tarih ve kişinin yaşı önemlidir. Emeklilik hak eden kişinin yaşının yanında cinsiyeti de emekliliği etkileyen faktörler arasında yer alır.
• Erken emeklilik için prim gününü dolduran kadınların 50 yaşını, erkeklerin ise 55 yaşını tamamlaması gerekiyor.
• Erken emeklilik için yaşını dolduran ancak prim gününü tamamlayamayan kişilerin emeklilik zamanlarında değişiklik söz konusu olur. Prim gününü bekleyen kadınlar 58 yaşında; erkekler ise 60 yaşında emekli olabilirler.
1999 ve öncesinde sigorta başlangıcı olma şartı; 9 Eylül 1999 tarihi için geçerlidir. 9 Eylül 1999- 30 Nisan 2008 tarihleri arasında sigorta girişi olan kişilerin erken emekliliğinde ise bambaşka bir uygulama yönetilir.
• 9 Eylül 1999- 30 Nisan 2008 tarihleri arasında sigorta girişi olan kişilerin erken emekliliğinde 15 yıllık sigortalı kalma süresi şartı ortadan kaldırılıyor.
• Sigorta süresinin yerini ise; daha uzun prim günü ödemesi alıyor. 3600 prim günü yerine 9 Eylül 1999- 30 Nisan 2008 tarihleri arasında sigorta girişi olan kişilerin erken emeklilik için 4500 prim günü ödemesi yapılması gerekiyor. Emeklilik yaşı ise kadınlarda 58; erkeklerde ise 60 yaş olarak belirlenmiştir.