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Ev hanımları emekli olabilecek mi? Meclis'e getirilen yasa tasarısı ev hanımlarına emeklilik yolunun açıklmasını içeriyor. Tasarı hayata geçerse, belirli şartları taşıyan ev hanımları emekli olabilecek. Emekli olabilmek isteyen tüm vatandaşlarımızın en büyük hayali kayıtsız şartsız emekli olabilmektir. Çünkü Türkiye 'de yaşamakta olan milyonlarca vatandaşın emeklilik için tüm gerekli şartları yerine getirmesi mümkün değildir. Peki ev hanımları bu şartları nasıl sağlayacaklar? Emekli olunabilmesi için SGK primi ödemesi gereken ev hanımları bu ödemelerini isteğe bağlı sigorta ile yapacaklar. Ödemeler her ay yapılacak ve SGK'nın belirlediği yıl boyunca ödemeler yapılacak. İşte son dakika haberleri ve detaylar takvim.com.tr 'de
Ev hanımlarına borçlanarak emekli olma yolu açılıyor
Tüketici Başvuru Merkezi (TBM) Sosyal Güvenlik Komisyonu Başkanı Ali Duman, ev hanımları için TBMM ´ye sunulan teklifin yasalaşması halinde, ev hanımlarının "çalışmasa dahi borçlanarak emekli" olabileceğini belirtti. Meclis'e sunulan bu yeni düzenleme ile beraber artık herhangi bir sosyal güvencesi bulunmayan, SSK , SGK ve Bağ-Kur gibi kurumların hiç birinde kaydı olmayan ev hanımları evli ise evliliğinin 25 yıl dolması üzerine gerekli başvuruları yaptıktan sonra emekli olabilecek.
Ancak tek şart emeklilik borçlanması yapılacak ve ödeme tamamlandığında her ev hanımı emekli olabilecek. Toplu olarak yapılacak olan ödeme ile beraber tüm ev hanımları emekli olabilecek. Bu sayede diledikleri maaş ödemelerine sahip olabilecekler. Türkiye 'de her emekli olmayan ev hanımı için bu imkan açıldı, ancak henüz netleşmiş bir durum değil.
Ev hanımlarının emekli olabilmesi için hangi şartlar gerekiyor?
2008 yılından sonra çalışmaya başlayan kadınlar için ise emekli olup tam aylık alabilmeleri için 7.200 gün yani toplamda 20 yıl çalışmaları gerekiyor. Çalışma hayatına katılmayan veya emekli olacak süre kadar çalışamayan ev hanımları ise emeklilik gibi çok önemli bir sosyal haktan yararlanamamış oluyorlar.
Kanun teklifi kabul edilirse 25 yıl evli kalmak koşuluyla 50 yaşını doldurduğu halde emekli olamayan ev hanımlarına emekli olma yolu açılıyor. Kanun teklifinde bu şartları sağlayan ev hanımları en az 7 bin 200 gün borçlanarak emekli olabilecek.
EV HANIMLARINA VERGİSİZ ESNAFLIK HAKKI!
Emekli olmak isteyen kadınlara sunulan en büyük kolaylık olan vergisiz esnaflık ile işçi almamak şartı ile evde üretim yaparak satış gerçekleştiren, gezici olarak meslek icrası gerçekleştirenler, motorlu taşıt kullanmaksızın ve ticaret işyeri açmaksızın perakende ticaret yapan kadınlar bu haktan yararlanabilmektedir.
Yine doğum borçlanması ve askerlik borçlanması ile toplu para ödeyerek çalışmadan emekli olmak mümkün oluyor. Kadınlarda doğum borçlanması için 3 çocuğa kadar toplu para ödemesi yapılabiliyor. Ancak bunun için kadının doğum yapmadan önce sigorta lı olarak işe girmiş olmaları şartı aranıyor. 3 çocuğu olan bir kadın çocuk başına 2 sene avantajı ile 6 seneye kadar çalışmadan emekli olma hakkı elde ediyor.
EV HANIMLARINA EMEKLİLİK AYLIK MAAŞ VE ÜCRETSİZ SAĞLIK HİZMETLERİ HAKKI
Emekli olmak için sağlanması gereken koşullar tüm vatandaşlar için aynıdır. Yani ister çalışma hayatının içerisinde yer alsın ister çalışmasın emekli olmak isteyen vatandaşların tamamı SGK 'ya belli bir oranda prim ödemek zorunda. Bunun dışında belli bir gün sigorta lılık gün şartı sağlanmalı. Ayrıca emeklilik için de belli bir yaşın üzerinde olunması gerekiyor. Tüm bu şartların aynı anda sağlandığı anda ise Sosyal Güvenlik Kurumu'na emeklilik başvurusu yapılabiliyor.
Peki ev hanımları bu şartları nasıl sağlayacaklar? Emekli olunabilmesi için SGK primi ödemesi gereken ev hanımları bu ödemelerini isteğe bağlı sigorta ile yapacaklar. Ödemeler her ay yapılacak ve SGK'nın belirlediği yıl boyunca ödemeler yapılacak. Prim ve gün şartını bu şekilde sağlayacak ev hanımları yaş şartını sağladıklarında da emekli olabilecekler.
2020 yılında ev hanımları için belirlenen isteğe bağlı sigorta prim ücret aylık 847 TL'dir.
İSTEĞE BAĞLI SİGORTA ÖDEMESİ İLE EMEKLİLİK ŞARTLARI
İsteğe bağlı sigorta ödemesi ile emekli olmak isteyen vatandaşların sağlamaları gereken koşullar bulunuyor. Bu koşulların sağlanmaması durumunda ise prim ödemeleri için süreç başlamıyor. Bu çerçevede vatandaşların sağlamaları gereken koşullar şunlar;
* Sigorta gerektiren bir işte çalışmamak. Vatandaşlar sigortalı bir işte çalıştıklarında isteğe bağlı sigorta primi ödeyemezler. Bu çerçevede vatandaşların bu şekilde çalışmıyor olmaları gerekiyor. Bunun yanında vatandaşların 18 yaşından büyük olmaları, Türk vatandaşı olmaları ve malulluk, yaşlılık aylığı almıyor olmaları gerekiyor.
İSTEĞE BAĞLI SİGORTA KAÇ YIL ÖDENİR?
Sigorta prim ödemesi vatandaşların hem sağlık hizmetlerini karşılamak için güvence hem de ileride emekli olabilmeleri için gerekli en önemli şarttır. Devlet memuru ve sigortalı işçilerin primleri işverenleri tarafından ödenirken esnaf, çiftçi ve bazı diğer meslek gruplarında çalışanlar prim ödemelerini gelirlerine göre kendileri ödemektedir.
Ek 5 tarım sigortası için prim ödemesi yapıyorsanız SSK kapsamında emekli olursunuz. Eğer yeni başlayacaksınız yaş haddinden emeklilik için en az 5400, normal emeklilik için ise 7200 prim gününü doldurmanız gerekmektedir.
Ev hanımlarının da isteğe bağlı sigorta primi için yaş haddinden emekli olabilmesi için 5400, normal emekliliği için ise 9000 prim gününü tamamlamanız gerekmektedir.
İSTEĞE BAĞLI PRİM ÖDEMELERİ KABUL EDİLECEK!
Sadece toplu para ödemesi ile emekli olmak istemeyen ve mevcut finansal durumu buna imkân tanımayan tüm ev hanımları düzenli prim ödemeleri yaparak emekli olabilecekler. Asgari ücretin yüzde 32 oranında prim ödemesi yapan ev hanımlarının 1 Mayıs 2008 tarihinden sonrası sigorta lı sayılacak. 61 yaşında emekli olabilecekler, prim günü olarak ise 5400 prim ödemesi yapılması gerekmektedir.