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Türkiye'de emekli olmak isteyen çalışanların SGK tarafından aranılan kriterleri taşımaları gerekmektedir. Bu koşulları taşıyan bireyler emekli olarak her ay düzenli emekli aylığı kazancı elde etmeye hak kazanırken ne yazık ki bazı kişiler de emekli olamadıkları için SGK'dan toplu para iadesi almaya hak kazanmaktadır.
SGK SOSYAL GÜVENLİK KURUMU'NA YATIRILAN PARALAR NASIL İADE ALINIR?
Konu hakkında bugün köşesine bir okuru tarafından gönderilen soruyu yanıtlayan Habertürk Gazetesi Yazarı Ahmet Kıvanç kimlerin SGK 'dan toplu para iadesi için ödeme alabileceğini açıkladı.
Kıvanç gelen kimler SGK'dan toplu para iadesi alabilir sorusu üzerine vermiş olduğu yanıtta "Bunlardan birincisi, yaşı doldurduğu halde emekli olmak için yeterli prim günü bulunmayanlara yapılan toplu ödemedir. İkincisi ise aynı anda birden fazla işverenden ücret alanlar için asgari ücretin 7.5 katından fazla aylık kazanç üzerinden ödenen primlerin iadesidir" diyerek aranılan şartları saydı.
TOPLU ÖDEME ALMAK İÇİN GEREKLİ OLAN KOŞULLAR NELERDİR?
Sosyal Güvenlik Kurumu bünyesine bağlı olarak hizmet akdine tabi olan 4A (SSK), kendi hesabına ve namına bağlı olan 4B (BAĞ-KUR) ile 1 Ekim 2008 sonrasında memuriyete başlayan 4C (Emekli Sandığı) sigortalılık statüsündeki vatandaşların toplu ödeme almasına izin verilir. Bu kişilerin herhangi bir nedenle işte ayrılması, iş yerini kapatması ve yaşlılık aylığı bağlanması için gerekli yaş şartını yerine getirmesine rağmen emeklilik hakkını elde edememesi halinde SGK 'dan prim iadesi yapılır.
Sigortalı olarak herhangi bir işte çalışmamak ya da kendi işini yapmıyor olmak gerekir.
Emeklilik için gerekli olan hizmet süresi ve yaş şartlarını tamamlaması şarttır. Hizmet süresi erkekler için 25 yıl; kadınlar için 20 yıl olarak belirlenmiştir.
Sigortalı kişilerin vefat etmesi durumunda toplu ödeme iadesi için hak sahipleri taleplerini iletebilir. Bu aşamada hak sahiplerinin yetim ve dul aylığı almıyor olması gerekir.
Esas kazancın toplamını aşan prim miktarının da geri ödemesi yapılır. Başka bir ifade ile; prim ödemesi için belirlenen tavan ücretin üzerinde yapılan ödemeler için iade talebi yapılabilir.
4A (SSK) sigortalılık statüsünde olan kişilerin prim iadesinde 2008 tarihi milat olarak kabul edilir. 2008 tarihinden önce kişiler hem kendi hem de işverenlerinin ödediği primlerin iadesini alabilirler. Ancak 2008 yılından sonra yapılan başvurularda işçi primlerinin iadesi sağlanır.
4B (BAĞ-KUR) sigortalılık statüsünde olanlara prim iadesi konusunda herhangi bir tarih kısıtlaması yapılmaz.
Geriye dönük olarak yapılan hizmet borçlanması ödemeleri ile Genel Sağlık Sigortası primleri geri ödenmez.
TOPLU ÖDEME İÇİN BAŞVURU NASIL YAPILIR?
Toplu ödeme için kişilerin resmi talepte bulunması gerekir. Başvurular Sosyal Güvenlik Kurumu (SGK ) üzerinden yapılır. Kişilerin başvuru sırasında yanında dilekçe ve T.C. kimlik kartının olması yeterlidir. Sosyal Güvenlik Kurumunun yetkili birimi başvuruyu inceler ve uygunluğuna dair karar verir. İnceleme dönemi yaklaşık 1 ay kadar sürer.