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Seneler içerisinde yapılan SGK yasası farklılıkları ile emeklilik yaşı yükseltildi. Buna bağlı olarak da öbür emeklilik koşullarını yerine getirmelerine karşın 5 milyon vatandaşa emekli olabilmeleri için yaş koşulu getirildi. Bu kişiler şimdi yaşlarının dolmasını bekliyorlar. Emeklilikte Yaşa Takılan vatandaşların ortak olan sorunu, kendilerine işe giriş tarihinde vaat edilen emeklilik sisteminin daha sonradan değişmiş olması. 1999 yılı öncesinde işe giren vatandaşları etkileyen bu düzenlemede emekli olmak isteyen vatandaşların belli bir yaşa gelmeleri gerekiyor.
2021 EYT DÜZENLEMESİ NE ZAMAN ÇIKACAK?
EYT 'liler 2021'de EYT tertip etmesinin TBMMde çıkmasını bekliyorlar. EYT tertip etmesinin yapılması gidişatında prim gün rakamı ve öteki koşulları yerine getiren ve yalnızca yaş koşulunu takılan kişiler emekli edilecekler. Bu biçimde emekli olmayı bekleyen toplam 5 milyon vaatndaşın olduğu belirtiliyor. Şu anda EYT'liler için rastgele bir somut adım atılmış değil.
BUGÜN EYT YASASI ÇIKSA KİMLER EMEKLİ OLUR?
Emeklilik te Yaşa Takılan vatandaşların ortak olan sorunu, kendilerine işe giriş tarihinde vaat edilen emeklilik sisteminin daha sonradan değişmiş olması. 1999 yılı öncesinde işe giren vatandaşları etkileyen bu düzenlemede emekli olmak isteyen vatandaşların belli bir yaşa gelmeleri gerekiyor.
EMEKLİLİKTE YAŞA TAKILANLAR İÇİN SON DURUM NE?
Siyasi gündemin geçtiğimiz yıllarda en çok üzerinde durduğu konuların başında gelen Emeklilik te Yaşa Takılan vatandaşların emeklilik haklarına ilişkin bazı modeller gündeme gelmişti. Özellikle 2018 yılı ve 2019 yılında sıklıkla konuşulan bu modellerin başında Finlandiya modeli geldi.Finlandiya modelinde prim ve gün şartını sağlamış olan vatandaşların yaş şartını sağlamamaları durumunda da emeklilik hakkı tanınıyor. Bu kapsamda her eksik yıl için maaşlarda kesinti yapılırken Emeklilikte Yaşa Takılan vatandaşların emekli olabilmeleri için bu modelin kullanabileceği konuşulmuştu. Bir dönem üzerinde durulan daha sonra unutulan bu konuya ilişkin basında yeni haberler çıkmaya başladı. Ancak hükümet kanadından resmi açıklama gelmedi.
FİNLANDİYA MODELİ NEDİR?
Basında yer alan Finlandiya Modeli EYT için bir çözüm kapısı olarak görülüyor. Bu modelde belirlenen yaştan daha erken emeklilik olunca bir miktar kesinti yapılıyor. Bu kesintiyi kabul edenlere de emeklilik aylığı bağlanıyor. Finlandiya'da birbirini tamamlayan iki emeklilik sistemi var:
İş esaslı emeklilik hakkı çalışarak ve girişimcilik yapılarak kazanılır. İşveren bütün çalışanları için emeklilik sigortası almak ve sigorta primlerini ödemekle yükümlüdür. Girişimciler sigorta primlerini kendileri öderler.
Halk emekliliği,iş (maaş) esaslı emekliliği olmayan veya emeklilikleri çok az olan emeklilere yöneliktir.
Her iki emeklilik sisteminde yaşlılık ve maluliyet emekliliği bulunmaktadır. 65 yaşını dolduranlar halk emekliliği hakkını kazanılabiliyor.
Finlandiya 'da uygulamada olan sisteme göre; emekliliğine belli bir süre kalanlara, alınacak maaş için her yıl yüzde 2 eksik maaş ödenmesi ve bu maaştan emekli olunması uygulaması var. Kabul eden hemen emekli oluyor. Emekliliğine iki sene kalan yüzde dört , üç yıl kalan yüzde 6 daha az maaş ile emekli olabiliyor.
Bu sisteme göre; Türkiye 'de emekliliğine 4 yıldan daha az kalmış yaklaşık 500 bin vatandaş bulunuyor. Sistem uygulamaya girerse bu vatandaşlara 4 yıllık süre için yüzde 8 daha az maaş ödenerek emekli olması sağlanacak. Bu rakamlara göre 2 bin TL maaşla emekli olabilecek bir kişi yüzde 8 daha az maaşla 1840 TL'ye emekli olabilecek.
Halk emeklilikleri
Çalışma süresine dayalı (iş/maaş esaslı) olarak emekli olabilmek için primler yeterli gelmiyorsa ya da çalışma süresine dayalı emeklilik maaşı çok düşükse, halk emekliliğinden yararlanmak üzere başvuruda bulunulabilir.
Halk emekliliğin miktarı Finlandiya 'da ne kadar yaşamış ya da Finlandiya'da ne kadar çalışmış olduğuna bağlıdır. Ayrıca aile ilişkileri ve diğer devam eden emeklilik gelirleri de halk emekliliğin miktarını etkiler.
Kısmi erken yaşlılık emekliliği
61 yaşını dolduranlar, asgari yaşlılık emekliliği yaşınızdan önce kısmi emekliliğe ayrılabilir. Buna kısmi erken yaşlılık emekliliği denir. Aylık emeklilik miktarından yüzde 25 veya yüzde 50 ödeneceğine sigortalı karar vermektedir.
Aynı zamanda isterse tam gün çalışmaya devam edebilir, işinden tamamen de ayrılabilir ya da işverenle daha kısa çalışma süresi konusunda anlaşılabilir. Ancak belirtmek gerekir ki, kısmi erken yaşlılık emekliliği nihai emeklilik maaşının tutarını azaltmaktadır.
EYT için de bu yönde düzenleme olup olmayacağı araştırılacak. Başta işçi ve işveren sendikaları, sosyal taraflar, akademisyenlerle görüşülerek mutfak çalışması yapılacak.
Ancak EYT konusunun hemen çözülmesinin söz konusu olmadığını ve biraz daha zamana ihtiyaç olduğunu belirtmeliyiz.
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