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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. İşte bu noktada kulağa inanılmaz gelse de vatandaşlar için 8 yıl erken emekli olabilmenin kapıları aralanmıştır. Peki, 8 yıl erken emeklilik için ne yapılması gerekiyor? Şartları nelerdir? Kimleri kapsar?
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 sigorta sını 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.
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 sigortalı 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?
24.06.1979 doğum tarihim, SSK girişim 17.12.1997, askerliğimi 1998 yılında 18 ay yaptım. 5000 gün primim var. R. ÇELİK İşe başlangıç tarihinize göre 25 yıl, 57 yaş ve 5900 prim gün şartlarına tabisiniz. 57 şartınızdan dolayı 2036 yılından önce emekli olamazsınız. Bu durumda 24.06.2036 tarihine kadar prim gününüzü tamamlayarak bu tarihte emekli olabilirsiniz. İşe girişiniz askerden önce olduğundan borçlanma yapmanız emeklilik yaşınızı etkilemez. İşe giriş tarihim 30.01.1999, doğum 1980. Mehmet Y. İşe girişinize göre 25 yıl, 58 yaş ve 5975 prim gün şartlarına tabisiniz. Emekli olabilmeniz için 58 yaşınızın dolacağı 2038 tarihine kadar 5975 günü tamamlamanız gerekmektedir. İşe girişiniz askerden önce olduğundan borçlanma yapmanız emeklilik yaşınızı etkilemez.
11.10.1969 doğum tarihim, ilk sigorta tarihim 05.05.1992. Hakan V. İşe başlangıcınıza göre 25 yıl, 53 yaş ve 5600 prim gün şartlarına tabisiniz. 5600 prim günü tamamlayıp 53 yaşınızın dolacağı 11.10.2022 tarihinde emekli olabilirsiniz. Ancak 13 aylık askerlik borçlanıp 52 yaşa tabi olabilir ve 11.10.2021 tarihinde emekli olabilirsiniz. 01.01.1963 doğumluyum, sigorta başlangıcım 01.07.1980, 3600 iş gününden ne zaman emekli olurum? Prim gün sayınızın miktarını yazmamışsınız. 3600 prim günden emekli olabilmek için 60 yaş ını tamamlamanız gerekmektedir. Dolayısıyla 3600 günü tamamlayarak 01.01.2023 tarihini beklemelisiniz.
1964 doğumluyum, 1984'ten SSK girişim var. Sigorta primim 4700 gün. B.A. İşe girişinize göre 5225 prim günü tamamlar tamamlamaz emekli olursunuz. Bunun için 525 prim güne ihtiyacınız var. Askerlik varsa borçlanıp prim gün sayınızı artırabilirsiniz. Ayrıca başka prim ödemeden 60 yaş ınızın dolacağı 2024 yılında yaştan kısmi emekli olabilirsiniz. SSK ilk başlangıcım 21.06.1989, 16.10.1971 doğumluyum, 4865 gün primim bulunuyor. Ö.K. SSK başlangıcınıza göre 25 yıl, 51 yaş, 5450 prim gün şartlarına tabisiniz. 585 gün daha ödemeniz durumunda prim gün sayınız tamamlanır ancak 51 yaşınız 2022 yılında dolacağından emekli olacağınız tarih 21.06.2022 olacaktır.