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Emeklilikte yaşa takılanlar hususuyla ilgili bu yıl yeni haberler gelmeye devam ediyor. Emeklilik hedefiyle gün sayan vatandaşlar ne vakit ve nasıl emekli olacağı hususu ile ilgili detayları öğrenmek istiyor. Bu doğrultuda özellikle ilk işe giriş tarihi ve gerekli prim günü büyük önem taşımaktadır. Emeklilikte yaşa takılanlar düzenleme beklentisi taşırken, geçmişte sigortasız çalışması bulunanların bunları tespit ettirmesi de emeklilik yolunu açacak. Sigortasız çalışmalarını hizmet tespitiyle ispat edenlerin düzenlemeden yararlanabileceği ifade edilmektedir.
EMEKLİLİĞİ UZAYANLAR
EYT yasasının; 8 Eylül 1999 'dan evvel sigortalı olup, bu tarihte yürürlüğe konan 4447 sayılı Kanun ile emekliliği 2 ila 17 sene arasında uzayan sigortalılardan, emekli olmak amacıyla aranan şartlardan, sigortalılık zamanı ve prim ödeme koşullarını sağlayıp aranan yaşın dolmasını bekleyenleri kapsaması öngörülüyor.
Emeklilikte yaşa takılanlar (EYT) planlama beklentisi taşırken, geçmişte sigortasız çalışması bulunanların bunları teşhis ettirmesi de emeklilik yolunu açabiliyor. Hizmet belirlenmesi başlangıç tarihini geri çekebileceği gibi, prim miktarını da artırabiliyor.
İşte EYT'den yararlanmak için hangi şartların sağlanması gerektiği olası yasa tasarısının kapsamı ile ilgili o soru ve cevabı:
Soru: 1970 doğumluyum. Sigorta başlangıç tarihim 15 Mart 1998. 6000 gün prim ödemem var. Emeklilikte yaşa takılanlar la (EYT ) ilgili bir yasa çıkarsa emekli olabilir miyim?
Cevap: 5900 günden fazla priminiz olduğundan bundan sonra prim ödemeseniz de 2027'de 57 yaşınızı dolduracağınız tarihte emekli olabilirsiniz (25 yıl sigortalılık süresi, 5900 gün prim ödeme ve 57 yaş şartlarına tabi olarak).
EYT'DE YAŞ-PRİM KRİTERİ
EYT çözümü için özellikle 3 konu üzerinde duruluyor. İlk konu EYT'nin kapsamı olacak. EYT düzenlemesi, 9 Eylül 1999'dan önce sigortalı olanları ilgilendiriyor. Çalışmalar kapsamında bu kesimin hangi şartları sağlamaları halinde emekli olacağı karara bağlanacak. Bir formül, kadınlarda 20, erkeklerde ise 25 yıllık sigortalılık süresini tamamlayanların yaş şartına bakılmadan emekli olması. Diğer formül ise primini tamamlayanların yaşına bakmadan hak sahibi olması. Ya da iki şartın birden dikkate alınabileceği belirtiliyor.
Bu durumda işe giriş tarihine göre 5000 ile 5975 gün arasındaki primi tamamlayanlar ve erkekler için 25 yıl süresini (2021 yılına göre 1996 ve öncesinde sigortalı olanlar bu şartı tamamladı), kadınlar için 20 yıl süresini (1999 öncesi sigortalı olanlarda bu süre doldu) geçenler kapsama giriyor.
EYT ÖRNEKLERİ GELDİ
İkinci konu ise yaş olacak. Yaşı bekleyenlere emeklilik yolu açılırken belli bir yaş sınırının konulması üzerinde duruluyor. Ankara kulislerine göre, düzenleme 50 yaş üzerini kapsayabilecek. Çalışmalarda ele alınacak üçüncü konu ise maaş hesaplaması olacak. Çalışanın bugüne kadar ödediği primler üzerinden maaş bağlanacak. Ancak yurt dışında görülen 'erken emekli olunan her yıl için yüzde 2 kesinti' gibi örneklerin bizde de uygulanıp uygulanmayacağı belirlenecek.
1-Kapsam: Komisyonun ilk olarak ele aldığı konu kapsam olacak. Böylece öncelikle EYT yasasının kapsamı içine girecek sigortalıların tespiti sağlanacak. Böylece emeklilik hakkı kazanacakların sayısı da ortaya çıkacak. Bu sayının belirlenmesi ile birlikte maliyet hesapları daha kolay yapılabilecek.
Ancak genel çerçeveye bakıldığında EYT'li grubu 9 Eylül 1999 öncesinde ilk kez sigortalı olarak çalışmaya başlamış, yıl ve prim şartını tamamlamasına rağmen yaş şartı getirildiği için emekli olamamış sigortalılar oluşturuyor.
Bu tarihten önce sigortalı olanlar için yaş dışında erkeklerde 25 kadınlarda ise 20 yıl sigortalılık süresi şartı var. bu sürede çalışıyor olmak ya da sigortalı olmak gerekmiyor. İlk sigorta olunun tarihten bu güne kadar erkekler için 25 kadınlar için ise 20 yılın geçmesi gerekiyor. Bu şarta bakıldığında
9 Eylül 1999 tarihi itibariyle kadınlar için 20 yıllık süre 2019 yılının 9 Eylül tarihinde dolmuş durumda.
Erkekler için ise 2021 yılına göre 1996 yılı ve öncesinde sigortalı olanlar için 25 yıl tamamlanmış durumda. Daha sonra sigortalı olanlar için de 25 yılın geçmesi gerekiyor. Ancak bu tarihten önce Emekli Sandığı'na girmiş ya da Bağ-Kur'lu olmuş EYT 'liler de mevcut. Bütün bunlar ayrı ayrı değerlendirilerek kapsamlı bir çalışma yapılıyor.
2-Emeklilik şartı: Komisyonun ikinci konusu ise emekliliğin hangi şartlarda gerçekleşeceği. Burada birkaç formül üzerinde çalışmalar devam ediyor. Yılını ve primini doldurup yaş şartını yerine getirmeyi bekleyenlerin bu şarta bakılmadan emekli edilmeleri söz konusu olabilecek. Bu durumda işe giriş tarihine göre 5000 ile 5975 gün arasındaki primi tamamlayanlar ve erkekler için 25 yıllık süresi geçenler kapsamla giriyor. Bunun yanında 3600 gün ile kısmi emeklilik formülü de bulunuyor. Ayrıca Almanya ve Finlandiya'da uygulanmış olan belli oranda kesinti ile maaş bağlanması da bir formül olarak duruyor. Bu arada Ankara kulislerinden gelen haberler arasında emeklilik için 50 ve üzeri yaş şartı getirilmesi de değerlendiriliyor.
3-Mali boyutu: Emeklilikte Yaşa Takılanlar 'ın sayısı ile ilgili 5 milyon kişi gibi sayılar ortaya atılsa bile kesin bir rakam yok. Ancak çok homojen ve farklı kurumlardan sigortalıların olduğu bir yapısı olması dolayısıyla çok sayıda insanı ilgilendiriyor.
Bu noktada kapsam belirlendiğinde sayı da ortaya çıkacak. Bu yönüyle kaç kişinin emekli olabileceği ve kaç lira maaş alacağı hesaplanarak konunun mali boyutu da ortaya çıkartılacak.
4-Kaynak konusu: Mali boyut ortaya çıktıktan sonra bu paranın bütçeleştirilmesi ve kaynağının da sağlanması ile ilgili de çalışma yapılacak.
5-Uygulama biçimi: Düzenleme yapılırken uygulama ile ilgili detaylar da ortaya çıkartılacak. Yani hak sahiplerinin belirlenmesi, onların müracaat şekilleri, bu müracaatların değerlendirilmesi gibi bürokratik konular da ortaya konulacak.
6-Taslak yazılması: Bütün çalışmalar tamamlandıktan ve alternatifler arasından birisi seçildikten sonra taslak hazırlanarak Meclis'e sevk edilecek. Ardından da yasalaşma ve yönetmeliklerle uygulanma süreci başlayacak.
EYT'DE KISMİ EMEKLİLİK FORMÜLÜ NEDİR?
9 Eylül 1999 evvel sigortalı olanlar 10 sene prim ödeyerek emekli olabiliyor. Buna kısmi emeklilik deniliyor. Böylece 3600 günü tamamlayanlar kadınsa 50 erkekse 55 yaşını da doldurmak şartıyla emekli solabiliyorlar. Emeklilik yaşını 3600 günü ya da 50-55 yaş şartını tamamladığı tarih belirliyor. Fakat EYT kapsamında 3600 günü olanlar amacıyla kadınsa 50 erkekse 55 yaşını tamamlayanların emekli edilmeleri bir formül olarak duruyor.