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SGK ve Bağkur'lu çalışan için erken emeklilik oldukça önemlidir. Bu anlamda 1800 gün prim ile emekli olmak için çalışanların bedensel fonksiyonlarını etkileyecek düzeyde rahatsızlıklar geçirmesi gerekir. Kişinin yasalar ile belirlenen hastalıklardan birini geçirmesi sonucunda, herhangi bir meslekte çalışamayacak derecede iş gücünün tamamını ya da bir kısmı kaybetmesiyle malullük durumu ortaya çıkar. Malul kişilerin çalışmaya devam edememesinde doğan mağduriyetlerini gidermek için malulen emeklilik devreye girer. Peki, malulen emeklilik nedir? Kimler malulen emeklilik hakkından yararlanabilir? Malulen emeklilik için gerekli olan şartlar nelerdir? İşte, malulen emekliliğe ilişkin öğrenilmek istenen bütün ayrıntılar…
YAŞTAN EMEKLİLİK HAKKI
Yaştan emeklilik, belli bir yaşa gelmiş ve normal emeklilik için gerekli prim ödeme sayısını dolduramamış kişilere sağlanan bir haktır. Bu hakkın arkasında belirli bir süre çalışması olan fakat yaşı nedeniyle çalışması çok daha zor olan kişilere emeklilik hakkı tanınması düşüncesi yatıyor. Prim gün sayısı yetmeyen ve bu nedenle emekli olamayan ancak yaşı nedeniyle prim ödeme gün sayısını tamamlama imkanı kalmamış kişiler yaştan emeklilik hakkından yararlanabilir.
MALULEN EMEKLİ OLMA ŞARTLARI
Malulen emeklilik şartları şu şekilde sıralanabilir:
4A, 4B ve 4C sigorta koluna bağlı bulunan çalışanların malulen emekli olabilmeleri için en az 10 yıl boyunca çalışıyor olmaları gerekir.
Kişilerin 10 yıllık çalışma süresi içerisinde, en az 1800 günlük prim ödemesine sahip olmaları istenmektedir.
Sağlık kurulu tarafından hazırlanan rapordaki iş gücü kaybının, en az %60 olması zorunlu tutulmuştur.
Malulen emekli olmaya sebep olan durumun, sigortalılık süresi içerisinde ve işe aşladıktan sonra gerçekleşmesi gerekmektedir.
4A sigortalıların, malullük durumunun ortaya çıkmasından itibaren işten ayrılmış olmaları gerekmektedir.
4B sigortasına sahip olan kişilerin, ticaret faaliyetlerine devam etmemesi gerekir. BAĞ-KUR sigortalılarının, SGK prim borcu bulunmamalıdır.
4C sigortalı kişilerin, rahatsızlıktan sonra işten ayrılması gerekmektedir.
Yurt dışında çalışmaya başladığı tespit edilen malulen emeklilerin emekli maaşları kesilecek ve kişiler malullük haklarını kaybedecektir.
3.600 GÜN YETİYOR
Yaştan emeklilik şartları ilk kez sigorta lı olunan tarihe göre farklılaşıyor. 9 Eylül 1981'den önce ilk kez sigortalı olmuş kadınlar ve yine 23 Mayıs 2002 itibarıyla 15 yıl sigortalılığı bulunan kadınlar 50 yaşında ve 3 Bin 600 prim günüyle emekli olabilirler. Diğer yandan 9 Eylül 1976'den önce sigortalı olmuş erkekler ve yine 23 Mayıs 2002 itibarıyla 15 yıl sigortalılığı bulunan erkekler 55 yaşında ve 3 bin 600 gün primle emekli olabilirler.
FARKLI KURALLARA TABİ
Bu tarihten sonra ilk kez sigortalı olmuş kişiler için de yaştan emeklilik hakkı bulunmaktadır. Ancak bu hakkın kullanılabilmesi için gerekli yaş şartı yükselmektedir. Sosyal güvenlik sisteminde 1 günün bile önemi büyüktür. . Bu nedenle çalışanların sigortalarının yatırıldığını kontrol etmeleri çok önemlidir.
Malulen Emeklilik Başvurusu Nasıl Yapılır?
Malulen emeklilik başvurusu Sosyal Güvenlik İl/ Merkez Müdürlüğü üzerinden bizzat olarak gerçekleştirilebilir. Kişilerin ikamet adresinde bulunan ilgili kuruma; tahsis talep ve beyan taahhüt belgesi, işten ayrılma bildirgesi, sağlık raporu ve vesikalık fotoğraf ile başvurularını iletmeleri mümkündür. Yapılan başvuruların SGK tarafından incelenmesinden sonra maluliyet durumu kabul edilebilir, reddedilebilir ya da ara karar verilmesi için sağlık kuruluna gönderilebilir.
Malulen Emeklilik Kapsamına Alınan Hastalık Grupları Nelerdir?
Kanser Hastalıkları (Cilt, Tiroid bezi, Meme, Akciğer, Mide, Bağırsak, Karaciğer, Safra kesesi, Pankreas, Böbrek, Mesane, Prostat, Testis, Penis, Baş ve boyun yumuşak doku, Lenfoma) Epilepsi Demans Beyin Tümörü Parkinson Sendromu Serebral palsi Multiple Skleroz (MS) Zeka Geriliği (IQ 50 ve altı) Şizofreni Bipolar Bozukluk Görme Bozukluğu(Görme Azlığı) Retina Kanamaları Tek başına ayakta duramayacak derecede denge kaybı İşitme azlığı/kaybı Anemi Organ Kaybı (Kol, Bacak, El vb.) Behçet Hastalığı Gastrointestinal Kanamalar Karaciğer Sirozu Karaciğer Nakli Kalp Yetmezliği Kalp ve Kalp Kapak Hastalıkları Endokrinoloji ve Metabolizma Hastalıkları Solunum Sistemi Hastalıkları (Nefes Darlığı) Böbrek Nakli Akciğer Nakli Böbrek Nakli Tüberküloz AIDS
NE ZAMAN EMEKLİ OLURUM?
■ 06.05.2004 sigorta girişim, 17 ay askerlik yaptım, 01.03.1982 doğumluyum, 4000 güne yakın günüm var. Serkan YILDIZ İşe girişinize göre 7000 gün 60 yaş tan tam, 25 yıl, 60 yaş ve 4500 prim günden kısmi emeklilik şartlarına tabisiniz. Emekli olabilmeniz için en az 4500 prim gün sayısını tamamlamanız gerekmektedir.
■ 1975 doğumluyum. 1991 lise yıllarımdan stajyerlik eğitiminden girişim var. 1999-2001 yılları arasında 18 ay askerliğimi yaptım. Daha sonra 2002 Ekiminden bugüne kadar 4452 günüm var. Erkan KÜÇÜK Sayın Okurum, stajyerlikten yapılan işe başlangıç emeklilikte sayılmıyor. Bu nedenle şu anki mevzuatlar çerçevesinde sizin emekliliğiniz 2002 yılındaki girişinize göre hesaplanacaktır. 2002 yılındaki işe girişinize göre 25 yıl, 4500 prim gün ve 60 yaştan kısmi (yaştan) emekliliğe, yine 60 yaş ve 7000 prim günden tam emeklilik şartlarına tabisiniz. Emekli olabilmeniz için prim gün sayısı tamamlayıp 2035 yılını beklemeniz gerekmektedir.
■ İşe giriş tarihim 1.5.1999, doğum 1980, ne zaman emekli olabilirim? C.DEVELİ İşe girişinize göre 25 yıl, 58 yaş ve 5975 prim gün şartlarına tabisiniz. Emekli olabilmeniz için 58 yaşınızın dolacağı 01.05.2038 tarihine kadar 5975 günü tamamlamanız gerekmektedir.
■ 01.01.1968 doğumluyum, işe giriş 01.01.1995. N. ONUR 25 yıl, 55 yaş 5750 prim gün şartlarına tabisiniz. Askerlik varsa ve en az 7,5 ay borçlanarak 25 yıl, 54 yaş ve 5675 prim gün şartlarına tabi olabilirsiniz. Emekli olabilmeniz için prim gün şartını tamamlayıp hangi yaşa tabi iseniz o tarihi beklemelisiniz.
■ 01.03.1970 doğumluyum, ilk işe girişim 1991 yılı 10. Ay. 1990 3. ayda askere gittim, 1991 8. ayda terhis oldum. Askerlik borçlanması yaparsam ne zaman emekli olurum? S. KARAMAN İşe girişinize göre 25 yıl, 53 yaş ve 5600 prim gün şartlarına tabisiniz. En az 6 aylık askerlik borçlanıp 25 yıl, 52 yaş ve 5525 prim gün şartlarına tabi olabilirsiniz. Bu durumda 5525 prim günü tamamlayıp 52 yaşınızın dolacağı 01.03.2022 tarihinde emekli olabilirsiniz.