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Çoğu kişi bu durumdan habersiz bulunuyor! Milyonlarca kişiyi ilgilendiren fırsat! O paralar toplu olarak anında iade ediliyor! Çoğu kişi bu durumdan habersiz bulunuyor! O paralar toplu olarak anında iade ediliyor! SGK'ya prim ödeyip emekli olamayan vatandaşlar için toplu ödeme yapılıyor. Bu ödemeler için SGK'ya yazılı başvuru yapılması ve mevzuatta yer alan koşulların tamamı sağlanması gerekiyor. Emeklilik hayalleri kuran vatandaşların emekliliğe hak kazanabilmesi için bazı şartları tamamlamış olması gerekiyor. Bunlardan biri de prim ödemesi. Yaş dolmasına rağmen prim gününü tamamlama ihtimali olmayan sigortalılar SGK'dan ödedikleri ücreti toplu olarak geri alabiliyor. Yani çalışma ve borçlanma imkanı olmayan kişilerin ödedikleri paralar boşa gitmiyor. Memurlarda ise kesenek iadesi şeklinde ödeme yapılıyor. Giriş Tarihi : 09 Aralık 2020 , 08:36 Güncelleme Tarihi : 09 Aralık 2020 , 08:36
Çoğu kişi bu durumdan habersiz bulunuyor! O paralar toplu olarak anında iade ediliyor! Milyonlarca vatandaş yıllarca çalışıp emeklilik hayali kuruyor. Emekli olmak isteyen tüm çalışanların Sosyal Güvenlik Kurumu'nun SGK son düzenlemesinde yer alan tüm şartları sağlamaları gerekiyor. Emeklilik için talep edilen koşulların aynı anda sağlanması durumunda vatandaşlar Sosyal Güvenlik İl Müdürlükleri üzerinden emeklilik başvurusunda bulunabiliyorlar. SGK'nın mevzuatında yer alan koşulları sağlayamayıp emekli olamayanlara ise bazı özel haklar tanınıyor. Bunların başında da belli gün sayısında prim ödenmesi şartı var. Öte yandan vatandaşların emeklilik için belirlenen uygun yaşı doldurması ve yıl şartını tamamlamasına da bakılıyor. Bazı sigortalılar yeterli sürede çalışma imkanını bulamadıkları için gereken prim gününü dolduramıyor.
EMEKLİ OLAMAYANLARA TOPLU PARA
Emekli olamayan vatandaşların toplu para ödemesinden yararlanması için kurumun ilan ettiği şartları sağlamaları gerekiyor. Öncelikle toplu para ödemesi SGK'ya prim ödeyen herkese yapılmıyor. Belli bir süre çalışmış ve sigorta primi ödemiş olmak gerekiyor. SGK mevzuatına göre; yıllarda prim ödemesi yapanların iade alabilmeleri için yaş ve sigortalılık gün şartını sağlamış olmaları gerekiyor. Yani toplu prim parası ödemeleri emekli olmak için yaş gün ve prim şartından yaş ve sigortalılık gün şartını sağlayanlara ödeniyor. Diğer bir deyişle prim eksiği olanlar diğer şartları sağlamışlarsa prim iadesi alabilirler. Gün şartı için kadınlarda 20 yıl şartı, erkeklerde 25 yıl şartı aranıyor.
Diğer başvuru koşulları ise halen sigortalı olarak çalışmıyor olmak, kendi işini yapmıyor olmak, kadınlarda 20 yıl şartı, erkeklerde 25 yıl şartını sağlıyor. Bu şartları sağlayanlar SGK Müdürlüklerine başvuruda bulunarak toplu prim parası alabilirler.
MİLYONLARCA VATANDAŞ VAR Bu durumdaki sigortalıların da emekli olabilmeleri için gerekli primi tamamlayabilmeleri amacıyla Sosyal Güvenlik Kurumu (SGK) sistemi askerlik, doğum ve yurtdışı borçlanması gibi imkanlar sağlıyor. Hayatı kolaylaştırmaya yönelik tanınan bu tüm haklara rağmen yine de emeklilik şartlarını tamamlayamayan milyonlarca vatandaş var. Bu vatandaşların çalışma ve borçlanma imkanları yoksa, emekli olamasalar da ödedikleri primler boşa gitmiyor. SGK, bu primleri toplu olarak sigortalıya geri ödüyor. Memurlarda ise bu durum kesenek iadesi şeklinde oluyor. TOPLU PARAYI ALMAK İÇİN ŞARTLAR Toplu parayı alabilmek için yapılması gerekenler var. Bunlar; Sigortalı şekilde bir işyerinde çalışmıyor olmak ya da kendi işini (Bağkur) yürütüyor olmamak. Emeklilik için gerekli olan üç şarttan ikisini yani yıl (erkekler için 25, kadınlar için 20) ve yaş şartını tamamlamış olmak. Bu şartları taşıyanlar eğer gerekli primleri tamamlamışlarsa zaten emekli oluyorlar. Ancak primleri eksik ise ve tamamlama imkanı da yoksa paralarını geri alabiliyor. Bunu vefat eden sigortalıların kanuni mirasçıları da yerine getirerek parayı alabiliyor. Kanuni mirasçılarına ölüm aylığı yani dul ve yetim maaşı bağlanmamış olması gerekiyor. TÜM PRİMLER GERİ VERİLİYOR Kişinin bağlı bulunduğu ilçedeki sosyal güvenlik merkezine veya il müdürlüğüne dilekçeyle başvurarak prim iadesi almak mümkün. Eski SSK'lılar (4A) için 2008'den önce kendi adına ödenen hem işçi hem de işveren primi, 2008'den sonra ise sadece işçi primleri geri ödeniyor. Bağkur'lular (4B) için tarih ayrımı yapmadan ödedikleri tüm primler geri veriliyor. Bu primler, sadece malullük, yaşlılık ve ölüm sigortaları için olanlardan oluşuyor. ONLAR İADE EDİLMİYOR Sağlık için ödenen primler (GSS) ve yapılan doğum, askerlik gibi borçlanmalar geri iade edilmiyor. Toplu para alanlarda emeklilik için her şey bitmiş olmuyor. Paranızı aldıktan sonra çalışmaya başlarsanız bu kez 'ihya' sistemi devreye giriyor. Parasını aldığınız prim günlerinizi yeniden ödeyerek mevcut primlerinize ekleyebiliyorsunuz. SGK, bu ödemelerde geçmişten bugüne kadar geçen zaman için bir faiz işletmiyor. Ancak yatırdığınız primler güncelleme katsayısına göre yeniden belirlenip miktardaki düşüşler gideriliyor.