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Yüksek emekli maaşı almak çalışanların emeklilikten sonra gelen en büyük hayalidir. Çok çalışmak ya da çok fazla günü olmak maaşı artırmak için tek başına yetmez. Hatta günü daha az olan birisi günü fazla olandan daha çok maaş alabilir. Burada sizin brüt maaşınız yani prime esas kazancınız önemli. Brüt maaşınız 3.500 lira ve üzerindeyse yıllık 60-70 lira kazancınız olur. İmkanınız varsa veya ek iş yapıyorsanız birden fazla yerde sigorta lı çalışmak prime esas kazancınızı yükseltecektir. Bu anlamda binlerce kişi tarafından bazı sorular yanıt bekliyor. Haberimizde bu sorulara açıklayıcı yanıtlar verdik. İşte son dakika haberi ve detaylar takvim.com.tr 'de
Takvim Gazetesi yazarı Faruk Erdem bugün köşesinde kaleme aldığı yazıda yine okuyucularımızdan gelen "Eksik prim günlerini tavandan ödeyebilir miyim? Son 3.5 yıl niçin önemli. Çalışana ne faydası vardır?" sorularını yanıtladı. İşte Erdem'e sorulan sorular ve yanıtları...
SGK girişim 01.05.1993. Askerlik terhis 1992. Toplam prim günüm 5470. Eksik günleri tavandan ödeyebilir miyim? Bir de son 3.5 yıl maaş için neden çok önemli? Ferhat NOYİN
İşe giriş tarihinize göre emeklilik şartlarınız 25 yıl, 54 yaş ve 5675 gün oluyor. Ancak 7 aylık bir askerlik borçlanması yaparak yaş şartını 53'e çekebilirsiniz. Eksik gününüz 205. Bunu ne kadar tavandan öderseniz ödeyin, emekli maaşınızı yükseltmeyecektir. Çünkü tüm kazançlarınıza bakılıyor. O yüzden fazladan para harcamanıza gerek yok. Son 3.5 yılın maaş için hiçbir önemi yok. Tüm kazançlarınıza bakılarak hesaplama yapılıyor. Son 3.5 yıl, hangi kurumdan emekli olacağınızı belirliyor, bu yüzden önemli.
Geçen yıl SGK'dan malulen emekli oldum. Ancak şimdi sağlığımın elverdiği bir işte yeniden çalışmak istiyorum. Çalışmaya başlarsam SGK maluliyet aylığımı keser mi? (İsmi saklı)
5510 sayılı Kanun'a göre malullük aylığı alırken bir işyerinde sigorta lı olarak çalışmaya başlayanların malullük aylıkları, çalışmaya başladıkları tarihi takip eden ödeme dönemi başında kesilir ve çalıştıkları süre boyunca bunlar için kısa ve uzun vadeli sigorta kolları ile genel sağlık sigortasına ait prim alınır. İşten ayrılarak yeniden malullük aylığı bağlanması için yazılı istekte bulunan ya da emekliye ayrılan veya sevk edilenlere; kontrol muayenesine tabi tutulmak ve ilk aylığına esas malullüğünün devam ettiği anlaşılmak kaydıyla yeniden malullük aylığı bağlanır.
İlk başlarda maaşım asgari ücretten yatırıldı. Sonra arttı. Emekli maaşım düşük mü olur?
Emekli maaşında en önemli unsur prime esas kazancınız. Maaş hesaplanırken tüm çalışmalarınıza bakılır. İlk başta asgari ücret ten yatırılması dezavantajınıza olmuş ama sonraki yüksek maaşlar olumlu etki edecektir. Gerçek maaşınızın SGK 'ya bildirilmesi önemli. İmkan varsa 2 ayrı yerden prim de etkili olur. Emeklilik işlemleri yapılırken eş ve çocuk durumlarınızı bildirmeyi unutmayın.
YÜKSEK EMEKLİ MAAŞI NASIL ALINIR?
Son yıllarda devreye giren uygulamalarla, emekli aylığı bağlama oranları düştü. 2000 yılından önce emekli olan bir işçinin en düşük emekli maaşı 1.980 lira, 2000 sonrasında emekli olanın ise en düşük maaşı 1.555 lira oldu. Emekliler bu rakamları yetersiz bulurken, aslında çalışma hayatında bu miktarı yükseltebilmek mümkün. En önemli parametre brüt maaşınız. Bu maaş eğer 3 bin lira ve üzerindeyse ileride maaşınız artacak. Asgari ücret ise azalacak. Emekli maaşını artıran 8 formülü şöyle sıraladık:
ERKENDEN PLAN YAPIN
Emekliliğinizi planlarken, son bir 2 yılı düşünmeyin. Şimdiden yani eğer imkanınız varsa 8-10 yıl öncesinden planınızı yapın. Böylece alacağınız maaşı daha da artırabilirsiniz. Çünkü maaş hesaplanırken kazançlarınızın tamamına bakılıyor.
SGK DAHA AVANTAJLI
Bağ-Kur yerine SGK 'dan emekli olmak daha avantajlı. SGK'dan emekli olma imkanınız varsa; isteğe bağlı sigorta , tarım SGK, tarım Bağ-Kur, zorunlu Bağ-Kur seçeneklerini ikinci planda tutun.
İKRAMİYEYİ BRÜTE EKLETİN
Aylık kazancınız maaşı belirleyen en büyük etken. Dolayısıyla öncelikle gerçek maaşınızın bordroda olmasına özen gösterin. Asgari ücret ten gösterilmesine razı olmayın. Ayrıca düzenli takvim.com.tr nakit ödemeleriniz varsa (ikramiye, prim, kira yardımı vs) bunların da brüt kazanca eklenip eklenmediğine dikkat edin.
YILDA 70 TL ARTIRIN
Çok çalışmak ya da çok fazla günü olmak tek başına maaşı etkilemiyor. Hatta günü daha az olan birisi günü fazla olandan daha çok maaş alabiliyor. Burada sizin brüt maaşınız yani prime esas kazancınız önemli. Yukarıda söylediğimiz gibi maaşınız 3 bin lira ve üzerindeyse yıllık 60-70 lira kazancınız olur.
İKİNCİ İŞE SICAK BAKIN
Eğer imkanınız varsa birden fazla yerde sigorta lı çalışmak, prime esas kazancınızı yükseltecektir. Kaç yerde sigortalı olursanız olun bir ayda 30 gün sayılır. Ancak kazancınız toplanacağından yükselir.
TAVANDAN PRİM ÖDEYİN
İster SSK 'lı olun ister Bağ-Kur'lu, son 3.5 yılda SGK 'ya tavandan (10 bin 705,50 liradan) kazanç bildirilirse, (geçmişi hep asgari ücret yatsa da) tavandan bildirilen her ay için ileride alınacak emekli aylığı yaklaşık 15-20 lira artar. 3.5 yılda tavandan kazanç bildirenlerin maaşında 800 liraya yakın artış görülebilir.
SON 3.5 YIL ÖNEMLİ
Hangi kurumda olursanız olun, son 3.5 yılda (1261 gün) SGK 'lı olursanız emekliliğiniz SGK şartlarından hesaplanacak. Yüksek kazanç bildirerek hem daha erken emekli olur hem de yüksek maaş alırsınız.
TAHSİS FORMUNA DİKKAT
Emeklilik başvurusu yaparken doldurulan 'Tahsis Formu'ndaki bakmakla yükümlü kişi hanesine 'eş', 'çocuk' gibi yakınlarınızı eklemeyi unutmayın. Maaş hesaplanırken aylık bağlama oranını yükseltici etki yapacaktır.