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1999 ve evvelinde SGK girişi olan çoğu vatandaşın haberdar olmadığı ayrıntı ise; daha yüksek emeklilik ücreti ihtimalidir. 1999 tarihi ve evvelinde sigorta başlangıcı olanlar sonraki senelerde sigortalandırılan şahıslara göre daha yüksek oranda ücret alabilirler. Sigorta başlangıcı bu tanımlanan tarihler arasında yer alanlar için emeklilik koşulları nelerdir? 1999 senesinden evvel SGK girişi olanların sahip olduğu avantajlar neler? 8 Eylül 1999 'dan önce sigortalı olanların emeklilikleri, kendi içinde, sigortalılık süresine göre iki gruba ayrılıyor. 8 Eylül 1999 itibariyle 18 yıl ve daha fazla sigortalılık süresi olan kadın ile bu tarih itibariyle 23 yıl ve daha fazla sigortalılık süresi olan erkek sigortalılar eski hükümlere tabi.
8 EYLÜL 1999'DAN ÖNCE SİGORTALI OLANLAR
8 Eylül 1999 'dan önce sigortalı olanların emeklilik leri, kendi içinde, sigortalılık süresine göre iki gruba ayrılıyor.
8 Eylül 1999 itibariyle 18 yıl ve daha fazla sigortalılık süresi olan kadın ile bu tarih itibariyle 23 yıl ve daha fazla sigortalılık süresi olan erkek sigortalılar eski hükümlere tabi.
ERKEKLERİN DURUMU
8 Eylül 1999 tarihi itibariyle 23 yıldan fazla süre sigortalı olan, başka anlatımla sigorta başlangıç tarihi 8 Eylül 1976 ve daha eski bir tarih olan erkek sigortalılar; "mezarda emeklilik " yasasına tabi olmadan, eski yasa koşullarıyla emekli olacak. Eski yasaya göre, 25 yıl sigortalılık süresi ve 5000 gün prim ödemesini tamamlayan erkek sigortalı yaş aranmadan emekli olacak. Ayrıca, 15 yıl sigortalılık süresi, 3600 gün prim ödeme ve 55 yaş koşullarını tamamlayan erkek sigortalı da kısmi yaşlılık aylığı ile emekli olabilecek.
KADINLARIN DURUMU
Eski Yasaya göre 20 yıl sigortalılık süresi ve 5000 gün prim koşulunu birlikte sağladığı tarihte yaş koşulu aranmaksızın emekli olacaklar. 15 yıllık sigortalılık süresi, 3600 gün prim ödeme ve 50 yaş koşullarını sağlayan kadın sigortalı da kısmi yaşlılık aylığı ile emekli olabilecek.
İLK PRİM TARİHİ
SSK 'dan emekli olmak için üç ayrı tarihe göre emeklilik koşulu aranıyor. Yeni düzenlemeyle emeklilikte 1 gün, 1 yıl farkediyor. Bu nedenle, emeklilik yaşı ve prim gün sayısı hesaplanabilmesi için, sigortalı çalışmaya başlanılan tarih ve yasal değişikliklerin yapıldığı andaki sigortalılık süresi önemli.
Bu üç dönem şöyle:
1) 8 Eylül 1999 öncesinde sigortalı olanların durumu,
2) 8 Eylül 1999 ile 30 Nisan 2008 arasında sigortalı olanların durumu,
3) 30 Nisan 2008 sonrasında sigortalı olanların durumu.;
1999 TARİHİ VE ÖNCESİNDE SİGORTA GİRİŞİ OLANLARIN EMEKLİLİK İÇİN AVANTAJLARI NELERDİR?
1999 ve öncesinde sigorta başlangıcı olan çalışanlara emeklilik konusunda büyük fırsatların verildiğini söylemek mümkündür. 8 Eylül 1999 ve öncesindeki tarihlerde sigortalı bir işe girmiş olanların daha yüksek prim ödemesi yaparak yaş engeline takılmadan erken emekli olmasının yolu açılmıştır. 1999 ve öncesinde sigorta başlangıcı olanlar arasından Sosyal Güvenlik Kurumu na 3600 günlük prim ödemesini yaparak şartı tamamlayanlar erken emeklilik hakkını elde ederler.
Emeklilik maaş oranları, 2000 yılında sigorta başlangıcı olan çalışanlara göre daha yüksektir.
ERKEKLERDE EMEKLİLİK YAŞI
08.09.1976'dan önce sigortalı olan SSK 'lılardan 55 yaşını doldurmuş olma ve en az 5000 gün sigortalı olan veya 55 yaşını doldurmamış olmakla beraber 25 yıldan beri sigortalı olan ve en az 5000 gün malûllük, yaşlılık ve ölüm sigortaları primi ödemiş olma şartlarını yerine getirenler tam emekli aylığına hak kazanmaktadırlar.
08.09.1999 günü ve sonrası işe giren e emekli olabilmeleri için 60 yaşını doldurmaları yani 61 yaşından gün almaları ve en az 7000 gün iş gününü tamamlamış olmaları gerekmektedir.
01.05.2018 gününden sonra sigortalı çalışmaya başlayan erkeklerin emeklilik şartları 7200 iş gününü tamamladıkları tarihe göre değişmektedir. Buna göre emeklilik tablosu şu şekildedir:
1) 01.01.2036 ila 31.12.2037 tarihleri arasında 7200 günü tamamlayan için 61 yaş
2) 01.01.2038 ila 31.12.2039 tarihleri arasında 7200 günü tamamlayan için 62 yaş
3) 01.01.2040 ila 31.12.2041 tarihleri arasında 7200 günü tamamlayan için 63 yaş
4) 01.01.2042 ila 31.12.2043 tarihleri arasında 7200 günü tamamlayan için 64 yaş
5) 01.01.2044 ila 31.12.2045 tarihleri arasında 7200 günü tamamlayan için 65 yaş
6) 01.01.2046 ila 31.12.2047 tarihleri arasında 7200 günü tamamlayan için 65 yaş
KADINLARDA EMEKLİLİK YAŞI
İlk defa 01.05.2008 tarihinden sonra sigortalı olarak çalışmaya başlamanız halinde 58 yaş ve 7200 gün şartı ile emeklilik hakkı kazanabiliyorsunuz. Ancak 58 yaşında emeklilik hakkı elde edebilmeniz için 7200 iş gününü 31.12.2035 tarihine kadar tamamlamanız gerekiyor.
Yine kadınlarda da iş gününün tamamlanacağı tarihe göre emekli olma yaşı değişmektedir.
3600 gün ve 15 yıllık sigortalılık süresini;
23.05.2002 tarihinden önce tamamladıysanız 50 yaşında,
24.05.2002-23.05.2005 tarihleri arasında tamamladıysanız 52 yaşında,
24.05.2005-23.05.2008 tarihleri arasında tamamladıysanız 54 yaşında,
24.05.2008-23.05.2011 tarihleri arasında tamamladıysanız 56 yaşında, 24.05.2011 tarihinde sonra tamamladıysanız 58 yaşında 3600 gün ile emeklilik hakkı elde edebilirsiniz.
SSK ya da diğer kapsamlarda ilk işe giriş tarihiniz 08.09.1999 tarihi ile 30.04.2008 tarihleri arası ise; 4500 gün 25 yıllık sigortalılık süresi ve 58 yaşı tamamlamanız halinde SSK yaş haddinden emekli olabilirsiniz.
SSK ya da diğer kapsamlarda ilk işe giriş tarihiniz 01.05.2008 tarihi ve sonrası ise 5400 gün 61 yaşı tamamlamanız halinde emekli olursunuz. Ancak yine bu tarihten sonra girişi olanlar emeklilikte kademeli geçişe tabidir. 5400 günden 61 yaşında emekli olabilmeniz için 5400 günü en geç 31.12.2035 tarihine kadar tamamlamış olmanız gerekiyor.
YAŞ HADDİNDEN NASIL EMEKLİ OLACAKSINIZ?
Gerekli prim ödeme gün sayısını dolduramamış ama belli bir yaşa gelmiş olan kadın çalışanlar yaş haddinden emekli olabiliyor ve kısmi emekli maaşı alabiliyor. Burada kadın çalışanlarda 15 yıl, 3600 prim ve 50 yaş şartının dolduğu tarih önemli.
8 Eylül 1981 ve öncesinde işe başlayan kadın çalışanlar, 3600 gün şartının dolduğu günün önemi bulunmuyor; 15 yıl, 50 yaş ve 3600 prim gün sayısını doldurmuş olması yeterli.
Tabloda, kadın çalışanların, işe başlama tarihine göre; 15 yıl, 3600 prim ödeme gün sayısı ve 50 yaş şartının doldurmaları halinde nasıl emekli olunacağı detaylı yer alıyor.
2008'EN SONRA İŞE GİRENLERİN EMEKLİLİK ŞARTLARI
Sosyal güvenlikte son yapılan düzenleme ile 2008 yılından sonra işe başlayan kadın çalışanların emeklilik şartları da değişti ve kademeli yaş şartı getirildi.
1 Mayıs 2008 tarihinden sonra sigortalı olanların 7200 gün prim ödemeleri gerekiyor. Ayrıca 7200 gün prim ödeme şartı yerine getirilse bile, yaş şartının da yerine getirilmesi şart. Tabloda 1 Mayıs 2008 tarihinden sonra işe girenlerin emeklilik şartları yer alıyor. Tabloya bakarak ne kadar prim ödemeniz gerektiğini ve hangi yaşta emekli olabileceğinizi bulabilirsiniz.
EMEKLİLİKTE HANGİ DÜZENLEMELER YAPILDI?
1999 yılında yapılan düzenleme ile 1999 öncesi sigortalı olanlar için işe başlama tarihine göre kademeli emeklilik şartı getirildi. . Daha sonra yapılan yeni bir düzenleme ile 1999 ila 2008 yılları arasında sigortalı olanlar için kadınlarda 58 yaş şartı belirlendi. Gerekli prim gün sayısını dolduranların emekli olabilecekleri şartı getirildi.
Son düzenleme ile de 2008 tarihinden sonra ilk kez sigortalı olanlar için kademeli emeklilik sistemi getirildi ve 7200 prim gün sayısı konuldu. Kadın çalışanlar en düşük 58 yaşında emekli olabilecek, en yüksek de 65 yaşında emekli olabilecek.