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Çalışma hayatına başlayan herkes gibi memurlar da ne zam an emekli olacağını merak ediyor. Memurların emeklilikleri diğer çalışanlara göre farklık gösteriyor. İşte memurların emeklilik tablosu... Kimi okuyucular, 'işe başlama tarihinin önemi yok mu?' diye soruyor. Elbette var; değineyim. 8 Eylül 1999 öncesi işe başlayanlar, 8 Eylül 1999 ila 30 Nisan 2008 tarihleri arasında işe başlayanlar ve 1 Mayıs 2008 ve sonrasında işe girenlerin emeklilik şartları da farklı. Mesela, erkek memurlar 8 Eylül 1999 öncesinde işe girmişlerse 25 yılı tamamladıklarında yaşa gerek olmadan emeklilik hakkını elde edebiliyorlar.
YAŞ KADEMELİ ARTIYOR
Kimi okuyucular, 'işe başlama tarihinin önemi yok mu?' diye soruyor. Elbette var; değineyim. 8 Eylül 1999 öncesi işe başlayanlar, 8 Eylül 1999 ila 30 Nisan 2008 tarihleri arasında işe başlayanlar ve 1 Mayıs 2008 ve sonrasında işe girenlerin emeklilik şartları da farklı. Mesela, erkek memurlar 8 Eylül 1999 öncesinde işe girmişlerse 25 yılı tamamladıklarında yaşa gerek olmadan emeklilik hakkını elde edebiliyorlar.
Bu tarihte yapılan değişiklikle yaş koşulu getirilirken memurların haklarında bir kayıp yaşanmadı. Ancak emekliliğine 25 yıldan az olan erkekler için kademeli yaş uygulamasına geçildi. 1999 ila 2008 tarihleri arasında ilk defa göreve başlayan erkek memurlar için durum farklı. Şöyle ki, 9000 gün prim gününü doldurmaları halinde 60 yaşını da doldurduklarında emekli olabiliyorlar. 1 Ocak 2036'dan sonra ise emeklilik yaşı erkeklerde kademeleri olarak artıyor ve 65'e kadar yükseliyor.
25 HİZMET YILI
Emeklilik şartı ile ilgili bir örnek vereyim. 2002 tarihi itibariyle emeklilik süresini doldurmaya 3 yıl 6 aydan fazla, 5 tam yıl veya daha az kalan erkek memurlar 46 yaşında emekli olabiliyor. Aynı şekilde 11 yıldan fazla, 12 yıl 6 ay veya daha az kalan erkek memurlar 51 yaşında emekliliğe hak kazanabiliyorlar. Bir örnek daha vereyim, emeklilik süresinin dolmasına 17 yıldan fazla, 18 yıl 6 ay veya daha az kalan erkek iştirakçiler 55 yaşında emekli olabiliyor.
Erkek memurların 25 yılı tamamlamasına kalan sürelere göre sigortalılık sürelerini ve tamamlamaları gereken yaş şartını tabloda detaylı bulacaksınız. Tabloya bakarak ne zam an ve kaç yaşında emekli olabileceğinizi bulabilirsiniz. Yeri gelmişken önemli bir hususun altını çizeyim. Fiili hizmet sürelerine zam yapılanların yaş hadlerinden hizmet sürelerine eklenen fiili hizmet süresi zammı kadar indirim uygulanıyor.
ERKEK MEMURLARDA YAŞ HADDİNDEN EMEKLİLİK
8 Eylül 1999 tarihinde 50 ve daha yukarı yaşlarda olan erkek memurlar, yaş haddi olan 61 yaşını tamamlamaları durumunda isterlerse emekli olabilirler. Aynı şekilde 65 yaşında da resen emekliye ayrılabilirler, 10 yıllık hizmet sürelerini doldurmuş olmaları şartıyla.
Ayrıca, 1 Mayıs 2008 tarihi de dahil sonrasında çalışmaya başlayanlar 5400 prim ödeme gün sayısını tamamladıkları tarihe göre emekli olabilirler. Aşağıda emeklilik tarihleri ve yaşları detaylı yer alıyor.
* 30 Nisan 2008'e kadar erkek memurlar 15 yıl prim ödediklerinde 61 yaşında yaş haddinden emekli olabiliyorlar.
* 1.5.2008-31.12.2035 arası işe girenler 5400 gün prim ödeyip, 63 yaşında emekli olup, kısmi aylık alabiliyor.
* 1.1.2036-31.12.2037 arası işe girenler 5400 gün prim ödeyip, 64 yaşında emekli olup, kısmi aylık olabilir.
* 1.1.2038 sonrası için 5400 gün prim ödeyip, 65 yaşında emekli olabiliyor.
1 MAYIS 2008 SONRASI EMEKLİLİK ŞARTLARI
1.5.2008 tarihi de dahil bu tarihten sonra ilk kez işe başlayan erkek memurların emeklilik şartları değişiyor. Burada sigorta başlangıç tarihi değil, 9000 prim ödeme gün sayısını doldurdukları tarihe göre emeklilik durumu belli oluyor. Örneğin, 1 Mayıs 2008 ila 31 Aralık 2035 tarihi arasında işe başlayanlar 9000 bin günü doldurduklarında 60 yaşında emekli olabiliyorlar.
Tabloda erkek memurların 9000 prim gün sayısına göre emekli olacakları yaşlar detaylı yer alıyor.
ERKEN EMEKLİLİĞE 5 FORMÜL
Çalışanlar en çok ne zam an emekli olacaklarını merak ediyor. Bunun için yıl, yaş ve prim şartı bulunuyor. Ancak bazı durumlar çalışanlara erken emeklilik imkanı da sunuyor...
ÇOCUKLAR KAZANDIRIR
1) Kadın çalışanlar için çocukları üzerinden prim kazanma imkanı bulunuyor. Bu imkan 3 çocuğa kadar borçlanma ile 2160 gün, yani 6 yıl kazandırıyor. Böylece yaşı ve yılı dolmuş bir anne 3 çocuğu varsa 6 yıl erken emekli olabiliyor. Burada tek şart, annenin borçlanacağı çocuklarının sigortalı olunan tarihten sonra dünyaya gelmiş olması.
ASKERLİK 1 YIL GERİYE ÇEKER
2) Erkeklerde ise askerlik süreleri hem yaşı geriye çekerken hem de prim kazanma imkanı veriyor. Sigortalıların askerlikte geçen sürelerinin tamamını veya bir kısmını para ödeyerek emeklilik hesaplarına saydırmaları imkanı var. Sigortalı olmadan önce yapılan askerlik için borçlanılması ile, sigorta giriş tarihi borçlanılan gün kadar geriye gidiyor. 1988 girişli birisi 1 yıl askerlik borçlanırsa 1987 girişli oluyor ve şartları buna göre belirleniyor. Böylece 1 yaş erken emeklilik imkanı oluyor.
10 YIL PRİM YETECEK
3) Kısmi emeklilik de denilen yöntemde ise 15 yıl ve 3600 günü dolduranlar daha fazla çalışmadan emekli olabiliyor. Burada yaş şartı kadınlarda 58, erkeklerde ise 60'tan başlıyor. Böylece yaşı gelmiş ama çalışma imkanı olmayan sigortalılar kısmi emeklilik imkanıyla beklemeden maaş almaya başlayabiliyor. Bu imkan 9 Eylül 1999 öncesi sigortalı olanlar için geçerli. Sonrası için ise prim 4500'e, yıl şartı 25'e çıkıyor.
SAĞLIK ÖNEMLİ MAZERET
4) Sağlık durumları elverişli olmayanlar için iki türlü erken emeklilik imkanı bulunuyor. Malulen emeklilikte sigortalı olduktan sonra ortaya çıkan rahatsızlıklar geçerli sayılıyor. Çalışırken iş yapabilme gücünü en az yüzde 60 kaybedenler sağlık raporu alarak bu imkandan yararlanıp emekli olabiliyor. En az 10 yıldan beri sigortalı bulunup, toplam olarak 1800 gün veya başka birinin sürekli bakımına muhtaç derecede malul olan sigortalılar için sigortalılık süresi aranmaksızın 1800 gün bildirmek şartıyla malulen emeklilik imkanı veriliyor. Engelli çalışanlar ise en az yüzde 40 engellilik ile vergi indirimi aldıklarında yaş şartına bakılmadan 15 yıl, 3600 günden başlayarak işe giriş tarihlerine göre 18 yıl 4680 güne kadar süreyle emekli olabiliyor.
BU MESLEKLERE DİKKAT!
5) Kanunun Fiili Hizmet Süresi Zam mı (FHSZ) diye tarif ettiği bu avantaj belli mesleklere uygulanıyor. Ağır işlerde çalışanlar, madenciler, gazeteciler, gemi adamları gibi mesleklerde çalışanlar sigortalılık sürelerine belli oranda gün eklenerek ve işe girişi geriye çekerek emeklilik imkanına kavuşuyor. Yani bir yılda 12 ay çalışmış birisi 15 ay çalışmış gibi kabul ediliyor ve işe giriş tarihi de 3 ay geri çekiliyor. Bu da normal çalışanlara göre erken emeklilik ortaya çıkarıyor.
Kaynak: Gazetevatan