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Hizmet akdine bağlı olan, kendi şan ya da hesabına çalışan veya kamu vazifelisi olan herkesin ortak hevesi emekliliktir. Emeklilik yaşı gelen ancak 2000 senesinden evvel Bağ-Kur'a kayıt yaptırmayan esnafın oda ve aidat kayıtları dikkate alınsın."Şu ana kadar hiçbir Bağ-Kur kaydı olmayan esnaf ve sanatkarlar, aidat ve oda kaydıyla 1 Ekim 2008'den başlamak şartıyla sigorta lı olabilir.
8 YIL ERKEN EMEKLİ NASIL OLUNUR?
4 Ekim 2000'den önce 'bir gün dahi' Bağ-Kur tescili olan esnaf, sigorta tescili olduktan sonraki dönemlerle ilgili vergi kaydı veya şirket ortaklığı varsa 20 Nisan 1982'ye kadar tescilini geriye götürebilir.
Oda kaydı olanlar da sigortasını 22 Mart 1985'e kadar çekebilir. 4 Ekim 2000'den sonra Bağ-Kur tescili olanlar 2000 öncesi işletilemiyor. 2000'den önce esnaf olduğu halde, 4 Ekim 2000'e kadar Bağ-Kur'a kayıt ve tescilini yaptırmayanların sigorta hak ve yükümlülüğü, 4 Ekim 2000'den itibaren başlatılıyor.
1 Ekim 2008'den önce Bağ-Kur tescili olanlar ise 4 Ekim 2000'e kadarki sürede vergi mükellefi veya odaya kayıtlı ise Bağ-Kur'unu, Bağkur'u silinse de geriye götürebiliyor, sadece aktif hale getirmesi gerekiyor.
1 Ekim 2008'den öncesi 4 Ekim 2000'e kadar sürece tescil yaptırmayanlar için ise son şans 1 Ekim 2008. Türkiye Esnaf ve Sanatkarları Konfederasyonu (TESK ) Genel Başkanı Bendevi Palandöken, konuyla ilgili yaptığı açıklamada emeklilik yaşı gelen ancak 2000 yılından önce Bağ-Kur'a kayıt yaptırmayan esnafın oda ve vergi kayıtlarının dikkate alınmasını istedi. Çok sayıda esnafın, daha önce sağlanan geriye dönük borçlanma imkanından ekonomik sorunları nedeniyle faydalanamadığını belirten Palandöken, şunları kaydetti:"Esnafın gözü kulağı, vergi ve oda kaydı dikkate alınarak geriye dönük borçlanma hakkı sağlayacak yeni bir yasal düzenlemede.
Resmi İlandır
Emeklilik yaşı gelen ancak 2000 yılından önce Bağ-Kur'a kayıt yaptırmayan esnafın oda ve vergi kayıtları dikkate alınsın."Şu ana kadar hiçbir Bağ-Kur kaydı olmayan esnaf ve sanatkarlar, vergi ve oda kaydıyla 1 Ekim 2008'den başlamak koşuluyla sigorta lı olabilir. Diğer bir deyişle bugün itibarıyla yaklaşık 8 yıl kazanması mümkün. Örneğin: 1 Mayıs 2005'te vergi mükellefi olarak kasaplığa başlayan ve vergi kaydı devam eden Enes Bey, bugüne kadar Bağ-Kur kayıt ve tescil yaptırmadıysa, SGK 'ya başvurduğunda 1 Ekim 2008'den itibaren sigortalı olabilir.
HİZMET BİRLEŞTİRMEK DE MÜMKÜN!
Çalışanların emeklilik hesapları yapılırken tüm hizmetleri hesaba katılıyor. Tabii bunun için hizmet birleştirmesi dediğimiz yöntemin uygulanması gerekiyor. Kurumlar arası çalışmalar belli yöntemlerle birleştiriliyor, emekli olunacak kurum belirleniyor. Bir çalışan hem SSK 'lı hem Bağ-Kur'lu hatta hem de Emekli Sandığı'na tabi olarak çalışabilir. Çalışmalarının tamamı prim gününü oluşturuyor. Birleştirilen çalışmalara askerlik-doğum borçlanmasıyla elde edilen günler de ilave edilebiliyor.
HİZMET HAKKI BİRLEŞMEK NE DEMEKTİR?
Emeklilik maaşının belirlenmesinde sigorta lı olarak sürdürülen çalışma hayatının hepsi dikkate alınır. Bu nedenle çalışma hayatı sırasında kişilerin tüm sigorta kollarına mensup olarak çalışması zor bir ihtimal değildir. Öyle ki kişiler aynı anda birden fazla sigorta koluna da dahil olabilirler. Örneğin; bir işletmesi bulunduğu için BAĞ-KUR'lu olarak bildirilenler; sigortalı olarak başka bir işte çalıştıkları için de SSK'ya mensup olurlar. Bu durumda kişilerin hem kendi hem de işvereni tarafından adına ödenen sigorta primlerinde hak kaybı yaşamaması için hizmet birleştirmesi yapması gerekir. Bu yöntem emeklilik zamanını erkene çekerken emeklilik maaşının miktarını da yükseltir.
HİZMET HAKKI BİRLEŞTİRMESİ NASIL YAPILIR?
Hizmet hakkı birleştirmesinin emeklilik zamanını etkileyebilmesi için mutlaka emeklilik tarihinden önce yapılması gerekir. Kişilerin bağlı bulundukları Sosyal Güvenlik Kurumu üzerinden resmi bir şekilde başvurularını iletmeleri istenir.
3.5 YILLIK SÜRE BELİRLEYİCİ OLUR
1 Ekim 2008 tarihi ve öncesinde SGK 'ya sigorta lı olarak bildirilen vatandaşlar için de erken emeklilik yolu gözükür. Bu tarihler içerisinde ilk kez sigortalandırılanlar için bambaşka bir prosedür ilerler. Buna göre; 1 Ekim 2008 tarihi ve başında sigortalı olanların aktif sigortalılık hallerinin 7 yılından 1261 prim günü (3.5 yıl) dikkate alınır. 3.5 yıl içerisinde hangi kurumdan sigorta primi ödemesi yapıldıysa kişi; o kurum üzerinden emekli maaşına kavuşur.
NE ZAMAN EMEKLİ OLURUM?
■ SSK girişim 11.02.2004, 4000 güne yakın primim var, halen çalışıyorum. 08.09.1976 doğumlu bayanım. A.Y.
İşe girişinize göre, 58 yaş, 7000 günden tam, 25 yıl, 58 yaş ve 4500 prim günden kısmi (yaştan) emeklilik şartlarına tabisiniz. 08.09.2034 tarihinden önce emekli olamıyorsunuz. Bu tarihe kadar en az 4500 prim gününü tamamlamanız halinde emekli olabilirsiniz.
■ 20.06.1971 doğumluyum. İlk sigortalı çalışmaya 01.09.1990 tarihinde başladım. Halen çalışıyorum. Ahmet Y.
İşe girişinize göre 25 yıl, 52 yaş ve 5525 prim gün şartlarına tabisiniz. Eğer prim gününüz tamam olursa 52 yaşınızın dolacağı 20.06.2023 tarihinde emekli olabilirsiniz. Askerlik işe girişinizden sonra olduğu için borçlanma yapmanız emeklilik yaşınızı etkilemez.
■ 10.07.1976 doğumluyum. 25.11.1998 sigorta girişim, 6000 gün primim var. Askerden sonra işe başladım. Ender S.
İşe girişinize göre 25 yıl, 58 yaş, 5975 prim gün şartlarına tabisiniz. Prim gün sayınız tamamlanmış. Sadece 10 günlük askerlik borçlanıp ödeyerek 57 yaşa tabi olabilirsiniz. Bu durumda 10.07.2033 tarihinde emeklilik talebi verebilirsiniz.
■ 21.06.1969 doğum tarihim, SSK giriş 01.01.1990, prim 8400 gün. Eyüp S.
İşe başlangıç tarihinize göre 25 yıl, 52 yaş ve 5525 prim gün şartlarına tabisiniz. Yaş haricindeki tüm şartlarınız tamamlanmış. 52 yaşınız 21.06.2021 tarihinde tamamlanacağından dolayı bu tarihten sonra emeklilik talebi verebilirsiniz.
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