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Emeklilik yaşı iki farklı kritere göre çeşitlilik göstermektedir. Yaş sınırı kadınlara ve erkeklere göre farklılık gösterdiği gibi sigorta başlangıç tarihine göre de değişebilmektedir. Eğer sigortalı olma tarihiniz 08.09.1999 ile 30.04.2008 arasındaysa, 4500 iş günü 25 yıllık sigortalılık süresi ve 58 yaşını tamamlamanız durumunda SSK yaş haddinden emekli olabilirsiniz. Özellikle 1999'dan önce işe başlayan SSK'lılar 15 yıl sigortalı olup 3600 gün prim ödemişse emeklilik hakkı kazanabiliyor.
3600 Günden Emekli Olmak İçin Gerekli Olan Şartlar Nelerdir?
• 3600 günden erken emekli olabilmek için vatandaşların sigorta başlangıç tarihinin 9 Eylül 1999 ve öncesine ait olması gerekir. (08.09.1999 tarihinden önce sigorta başlangıcı olmayanların 3600 günden emekliğe hak kazanmaları mümkün değildir.)
• 15 yıllık sigorta süresinin tamamlanmış olması şarttır. Bu sigorta süresi 9.09.1999-30.04.2008 tarihleri arasında tamamlanmalıdır.
• 3600 prim günü ödemesi işveren ya da isteğe bağlı olarak SGK 'ya ödenmelidir.
• Son olarak yaş şartlarının da yerine getirmesi lazımdır.
• 31.12.2011 tarihinden önce sigortalı olan 15 yıllık sigortalılık süresini ve 3600 prim günün dolduran erkekler 55 yaşında; kadınlar ise 54 yaşında emekliğe hak kazanırlar.
• 9.09.1999 ve öncesinde sigorta başlangıcı (takvim.com.tr) yapılmasına rağmen 31.12.2011 tarihine kadar prim gününü doldurmamış olan erkek çalışanlar 59 yaşında, kadın çalışanlar ise 58 yaşında 3600 günden emekli olabilirler.
Kadın Sigortalılar 3600 Günden Kaç Yaşında Emekli Olabilirler?
15 yıllık sigorta lılık süresi ve 3600 prim günü kriterlerinin dolduğu tarih emeklilik yaşını doğrudan etkiler. Belirlenen tarihler arasında bu iki şartı yerine getiren kadın çalışanların emekli olma yaşları belirlenmiştir:
• 24.05.2002- 23.05.2005 tarihleri arasında 52 yaşında ,
• 24.05.2005- 23.05.2008 tarihleri arasında 54 yaşında,
• 24.05.2008- 23.05.2011 tarihleri arasında 56 yaşında,
• 24.04.2011 tarihinden sonra 58 yaşında
Erkek Sigortalılar 3600 Günden Kaç Yaşında Emekli Olabilirler?
Kadın sigorta lılarda olduğu gibi, SGK kapsamında sigortalı olarak çalışan erkek adayların 15 yıllık sigorta zamanını ve 3600 prim gününü tamamladıkları tarihin hemen ardından yaş şartına bakılır. Belirlenen tarihler arasında bu iki şartı yerine getiren erkek çalışanların emekli olma yaşları belirlenmiştir:
• 24.05.2002- 23.05.2005 tarihleri arasında 56 yaşında,
• 24.05.2005- 23.05.2008 tarihleri arasında 57 yaşında,
• 24.05.2008- 23.05.2011 tarihleri arasında 58 yaşında,
• 24.04.2011- 23.05.2014 tarihleri arasında 59 yaşında,
• 24.05.2014 tarihinden sonra 60 yaşında
3600 Günden Emekliliği Hak Edenler Ne Kadar Emeklilik Maaşı Alır?
3600 günden emeklilik maaşları için 2000 yılı baz alınarak hesaplama yapılır. Kişilerin çalışma süresinin yoğun olarak geçtiği yıllara göre maaş belirlenir:
• 31.12.199 tarihinden önce çalışma hayatı olan ve emekliliği hak edenler 1600 TL,
• 01.01.2000 tarihinden sonra çalışma hayatı olan ve emekliliği hak edenler 1400 TL,
• 2008 yılı ve sonrasında çalışma hayatı olan ve emekliliği hak edenler 1200 TL,
• Çalışma süresi büyük kısmı 2008 yılında gerçekleşen ve emekliliği hak edenler 1000 TL
2008 Yılı Öncesi Çalışmaya Başlayan Engelliler İçin Erken Emeklilik
2008 yılı öncesi çalışan engellilerin erken emekliliği, 3600 prim ödeme günü temel alınarak hesaplanmaktadır. 2008 yılı öncesi çalışmaya başlayan kişilerin erken emeklilik koşulları şu şekilde sıralanır:
1991 yılı içerisinde işe başlayan engelli vatandaşlar , 3600 günlük prim ödemesini tamamladıklarında erken emekli olurlar.
1992 ila 1994 yılları arasında çalışmaya başlayan engelli vatandaşlar, 3760 günlük prim ödemesini tamamladıklarında erken emekli olurlar.
1997 ila 2000 yılları arasında çalışmaya başlayanlar, 4080 günlük pirim ödemesini tamamladıklarında, erken emekli olurlar.
2003 ve 2008 yılları arası çalışmaya başlayan engelliler, 4400 günlük prim ödemesine sahiplerse, erken emekli olurlar.
İşte yaş-yıl şartı / Kadınlar için
* En az 15 yıllık sigorta lılık süresini tamamlamış olma,
* En az 3600 gün prim ödemiş olmak
* Aşağıda ilk sigorta başlangıç tarihinizden itibaren 15 yıl ve 3600 günü tamamlamış olduğunuz tarihe göre yaş şartlarına bakabilirsiniz.
* 24.05.2002-23.05.2005 tarihleri arasında yerine getirenler 52 yaşında
* 24.05.2005-23.05.2008 tarihleri arasında yerine getirenler 54 yaşında
* 3.24.05.2008-23.05.2011 tarihleri arasında yerine getirenler 56 yaşında
* 24.05.2011 tarihinden sonra yerine getirenler 58 yaşında emekli olabilir.
İşte yaş-yıl şartı / Erkekler için
* En az 15 yıllık sigortalılık süresini tamamlamış olma,
* En az 3600 gün prim ödemiş olmak
* Aşağıda ilk sigorta başlangıç tarihinizden itibaren 15 yıl ve 3600 günü tamamlamış olduğunuz tarihe göre yaş şartlarına bakabilirsiniz.
* 24.05.2002-23.05.2005 tarihleri arasında yerine getirenler 56 yaşında
* 24.05.2005-23.05.2008 tarihleri arasında yerine getirenler 57 yaşında
* 3.24.05.2008-23.05.2011 tarihleri arasında yerine getirenler 58 yaşında
* 24.05.2011-23.05.2014 tarihleri arasında yerine getirenler 59 yaşında
* 24.05.2014 tarihinden sonra yerine getirenler 60 yaşında emekli olabilir.
Çalışmak şart değil!
3600 gün prim şartını tamamlamak için çalışmak gerekmiyor. Erkekler sigorta dan sonra yaptıkları askerlikleri, kadınlar ise 3 doğumu borçlanabilir. Böylece erkekler 540 gün, kadınlar 2160 gün kazanıyor.
ÖRNEK HESAP
05.10.1961 doğumlu Bay (A) ilk sigortalılığını 15.07.1987'de yaptırabildi. 15.07.1997'ye kadar çalıştı, 3600 gün primi var. 5 yıllık sigortalılık süresini 15.07.2002'de tamamladı. 3600 günü ise 1997'de doldurarak, ikinci şartı da geçmiş oldu. 55 yaşına ise 05.10.2016'da bastı. Bu durumda üçüncü şart da yerine gelmiş oluyor. Son şartın gerçekleştiği tarih yani 2016, tabloda 60 yaşına tekabül ediyor. Bu durumda Bay (A) 05.10.2021'de emekli olabilir.
TAZMİNAT ALMA HAKKI
Çalışma hayatıyla ilgili yasalarımızda kıdem tazminatı almanın yolları düzenlenmiş durumda. Öncelikle son işyerinde en az 1 yıllık kıdeminizin, yani çalışmışlığınızın olması gerekiyor. Yine yasalarımız bazı istisnalar dışında kendi isteği ile ayrılan yani istifa eden çalışanların tazminat alamayacağını söylüyor. İşte bu noktada sihirli rakam 3600 devreye giriyor. Eğer 8 Eylül 1999 öncesinde sigorta lı olarak çalışmaya başladıysanız, son işyerinde 1 yılı doldurduktan sonra kendi isteğinizle ayrılsanız da tazminat hakkınız bulunuyor. Tabii 15 yıllık sigortalılık süresini ve 10 yıllık primi yani 3600 günü de doldurmuş olmanız lazım. Sosyal Güvenlik Kurumu'ndan (SGK ) 15 yıl ve 3600 günü doldurduğunuza dair yazı aldığınızda işyerinize müracaat ederek tazminatı alıp ayrılabilirsiniz. İstifa yazınıza 15 yıl 3600 günü doldurduğunuz gerekçesiyle ayrılmak istediğinizi ve aldığınız yazıyı eklemeyi de unutmayın.
E-DEVLET ÜZERİNDEN EMEKLİLİK GÜN SAYISI HESAPLAMA VE SORGULAMA
E-devlet üzerinden emeklilik hesaplama ve sorgulama tablosunu öğrenmek için öncelikle, sorgu ekranından kimliğimi şimdi doğrula butonuna tıklayın. Daha sonra kimliğinizi doğrulamak için TC kimlik numaranızı ve şifrenizi girin. Açılan sayfadan emeklilik gününüzü ve yaşınızı tabloda istenen bilgileri girerek öğrenebilirsiniz.
Eğer e-devlet şifresi olmadan e-devlet üzerinden emeklilik hesaplama ve sorgulama tablosunu öğrenmek istiyorsanız izleyeceğiniz adımlar şu şekildedir; Bu linke tıkladığınızda açılan ekrandaki tabloda istenilen bilgileri (cinsiyetiniz, doğum tarihiniz, hizmete başladığınız tarih (bu tarih ilk sigorta tarihidir) eğer malüliyetiniz (özrünüz varsa), erken yaşlanma varsa ve mevcut bilgiler) girerek hesaplamanızı yapabilirsiniz.
■ 28.07.1980 doğumluyum, 1994 yılından beri 6500 gün sigortam var. D. ALTUN
İşe girişiniz 24 Mayıs 1994 tarihinden önce ise 25 yıl, 54 yaş, 5675 prim gün şartlarına, bu tarihten sonra ise 25 yıl, 55 yaş ve 5750 prim gün şartlarına tabisiniz. Prim gün sayınız tamamlanmış. 2023 yılında 25 yıl şartınız, 2034-2035 yıllarında yaşınız dolacak. Yaş şartınızı tamamlayınca emekli olursunuz.
■ 12.05.1979 doğumluyum. 1996 sigorta girişliyim. F. GÜN
İşe girişinize göre 25 yıl, 56 yaş ve 5825 prim gün şartlarına tabisiniz. Emekli olabilmeniz için 56 yaşınızın dolacağı 2035 tarihine kadar 5825 günü tamamlamanız gerekmektedir.
■ 07.12.1973 doğumluyum, ilk sigorta girişim 22.05.1995, şu an itibarıyla toplamda 7000 günüm var. 1993 ve 1994 yıllarında 19 ay askerliğimi yaptım. A.K.
İşe girişinize göre 25 yıl, 55 yaş ve 5750 prim gün şartlarına tabisiniz. 12.5 aylık askerlik borçlanarak 25 yıl, 54 yaş ve 5675 prim gün şartlarına tabi olabilirsiniz. Prim gün sayınız tamamlanmış. 54 yaşınız 2027'de dolacak. Bu durumda emekli olacağınız tarih 07.12.2027 olacaktır.
■ 01.10.1985 tarihli sigorta girişliyim. 3600 günüm mevcut. F. AYKAN
İşe başlama tarihinize göre 25 yıl, 49 yaş ve 5300 prim gün şartlarına tabisiniz. İşe giriş askerden sonra ise 4.5 aylık askerlik borçlanıp 25 yıl, 48 yaş ve 5225 prim gün şartlarına tabi olabilirsiniz. 3600 prim günden ve hangi yaşta emekli olabileceğinizi hesaplamamız için doğum tarihinizi bilmemiz gerekiyor. Çünkü 55 yaşınızı hangi tarihte tamamladığınızı bilmeliyiz ki yaş-kademe hesabını ona göre yapalım.