Türkiye'de emeklilik süreci, belirlenen prim gün sayısını tamamlamak suretiyle gerçekleştiriliyor. Bu önemli döneme ulaşmak için birçok yol bulunuyor. İşte, emeklilik için gerekli prim gün sayısını tamamlamanın yolları...
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Türkiye'de emeklilik süreci, belirlenen prim gün sayısını tamamlamak suretiyle gerçekleştiriliyor. Bu önemli döneme ulaşmak için birçok yol bulunuyor. İşte, emeklilik için gerekli prim gün sayısını tamamlamanın yolları...
8 Eylül 1999'dan önce sigortalı olanlar ya da borçlanmayla başlangıcını bu tarihe çekenler prim ve yıl şartını tamamlar tamamlamaz emeklilik imkanı elde ediyor.
SSK'lılarda 5.000-5.975, Bağ-Kur'lular ve memurlarda da kadınların 7.200, erkeklerin 9.000 prim günü tamamlaması yetiyor.
Bu süreyi tamamlayamayanlar için ise SSK'lılarda 3.600, Bağ-Kur'lularda 5.400 günle kısmi imkanı bulunuyor. Ancak burada belirlenen yaşı da tamamlamak gerekiyor.
Bazı sigortalılar, emeklilik şartlarını tamamlayamıyor.
Borçlanmayla ya da çalışarak emeklilik primini tamamlayamayacak kişilere de toplu ödeme alma imkanı sunuluyor.
ESNAFLIK YAPANLAR
Esnaf Bağ- Kur primleri en düşük 6 bin 900 lira 86 kuruş, en çok 51 bin 756 lira 52 kuruş oldu. Primini düzenli ödeyenler için ise en düşük tutar 5 puanlık avantaj ile 5 bin 900 lira 74 kuruş olarak uygulanacak. En alt tutardan ödeme yapan esnafın aylık avantajı bin lira 12 kuruş olacak.
ÇALIŞMAYANLAR
Çalışmayanlar ya da eksik primi olanların her ay kendi primlerini ödeyerek yararlanabildiği isteğe bağlı sigortada tutarlar değişti. En düşük prim 6 bin 400 lira 80 kuruş oldu. Bu yıl hayata geçmesi beklenen düzenlemeyle ev kadınlarının isteğe bağlı primlerinin 3'te 1'ini devlet ödeyecek. Bu durumda bu tutarın 2 bin 133 lira 60 kuruşunu devlet yatıracak. Ev kadınları aylık 6 bin 400 lira yerine 4 bin 267 lira 20 kuruş prim ödeyerek emekli olabilecek.
EVDE ÜRETENLER
Kendi adına ve hesabına tarımsal faaliyette bulunanlar ile evde üretim yaparak esnaf muaflığından yararlanan kadınların ödeyeceği isteğe bağlı sigorta primi de aylık 6 bin 400 lira 80 kuruşa yükseldi.
EV İŞLERİNDE ÇALIŞANLAR
Ev hizmetlerinde ayda 10 gün işçi çalıştıranlar en az 2 bin 500 lira 31 kuruş, 30 gün işçi çalıştıranlar da 7 bin 500 lira 94 kuruş sigorta primi ödeyecek. Ancak, primlerini düzenli ödeyenlere 5 puanlık indirim uygulanıyor. Böylece 10 gün için 2 bin 500 lira yerine 2 bin 166 lira 94 kuruş, 30 gün için 7 bin 500 lira yerine 6 bin 500 lira 81 kuruş prim ödemek mümkün olacak.
Ev hizmetlerinde ayda 10 günden az işçi çalıştıranlar sadece iş kazası ve meslek hastalığı sigortası primi ödüyor. Bunların ödeyecekleri prim tutarı günlük 13,34 lira oldu. Ev hizmetlerinde aynı işveren yanında ayda 10 günden az çalışanlar isterlerse kendi primlerini ödeyebiliyor. Bunların ödeyecekleri prim tutarı aylık 6 bin 500 lira 81 kuruş olacak.
ŞOFÖRLER
Taksi, dolmuş ve toplu taşıma araçlarında çalışanlar ile Turizm Bakanlığı'nca belirlenecek alanlarda kısmi süreli iş sözleşmesiyle bir veya birden fazla kişi tarafından çalıştırılanlardan işsizlik sigortası primi ödemek istemeyenler en az 6 bin 500 lira 81 kuruş prim yatıracak. İşsizlik primi dahil etmek isteyenlerin ise en az 7 bin 100 lira 89 kuruş ödemesi gerekecek.
İHYA DÜŞÜNENLER
Geçmişte prim borcu nedeniyle dondurulan hizmet süreleri bulunan Bağ-Kur'lular, bu yıl başvurursa günlük 230,03 lira ödeyerek bu süreleri canlandırabilecek. Geçtiğimiz ayın sonuna kadar başvurup tebligat tarihinden itibaren 3 ay içinde ödemeyi yapanlar ise her gün için 154,27 lira yatırarak dondurulmuş hizmet sürelerini kazanabilecek.
TARIMLA UĞRAŞANLAR
Tarım Bağ-Kur primleri de esnaf gibi en düşük 6 bin 900 lira 86 kuruşa çıktı. Primi düzenli ödeyenler için de bu tutar 5 bin 900 lira 74 kuruş olarak uygulanırken, çiftçi aylık bin lira 12 kuruş daha az ödeyecek. Ayrıca tarım Bağ-Kur primleri artık Ocak ve Temmuz aylarında olmak üzere yılda 2 taksitle ödenebiliyor. Ocak- Haziran primleri Temmuz, Temmuz-Aralık primleri de Ocak sonuna kadar verilebiliyor.
BORÇLANMA PLANLAYANLAR
Bu yıl başvuranlar için doğum ve askerlik borçlanmasında günlük en düşük ödeme 213,36, en yüksek ödeme bin 600 lira 20 kuruşa çıktı. 1 aylık borçlanma en az 6 bin 400 lira 80 kuruş oldu. Gurbetçiler de bu yıl başvurup yurt dışı borçlanması yaptıklarında günlük en az 300,04 lira, en çok 2 bin 250 lira 28 kuruş yatıracak. 1 aylık borçlanmaya 9 bin 1 lira ödenecek.
PART-TIME İŞ YAPANLAR
Ay içinde 30 günden az çalışan veya tam gün çalışmayanlardan kalan sürelerinde isteğe bağlı sigortaya prim ödeyenlerin yatıracağı tutar da değişti. Aylık kazanç alt sınırına göre işsizlik sigortası primi ödemek istemeyenler aylık 6 bin 400 lira 80 kuruş, işsizlik sigortası primi ödeyecekler de 7 bin lira 88 kuruş üzerinden gün sayısına göre ödeme yapacak.