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Milyonlarca çalışan amacıyla en mühim şey bir an evvelce emekli olmaktır. 4A-4B-4C SGK (SSK) ve Bağkur'luya erken emeklilik müjdesi ise çalışanlar doğrultusundan yakından takip ediliyor. Sigorta başlangıç tarihi, 15 senelik sigorta zamanı ve 3600 prim günün doldurulma sürenin hesaplanmasında öneme alınan bir faktördür. Kişinin staj başlangıcı, 3600 günden erken emeklilik amacıyla başlangıç olarak kabul edilmez. SGK doğrultusundan 4A-4B-4C SSK, Bağkur'lu amacıyla yeni açıklama geldi. Bu bağlamda ucuza borçlanma yaparak emekli olabileceksiniz. 1 Ağustos 2019 Tarihinden birkaç hafta kadar evvelce bu yönde bir yasa çıkarılacağı bilgi kapasitesi yayılmış ve bütün borçlanmak isteyen şahıslar borçlanma taleplerini kuruma iletmişlerdi.
ERKEN EMEKLİLİK İÇİN YENİ AÇIKLAMA
Bilindiği üzere 01/08/2019 tarihi itibariyle tüm yurt dışı borçlanmalarının prim oranları yüzde 32'den yüzde 45'e yükseltilmiş ve bu tarih itibariyle yurt dışı borçlanması yapanların sigortalılık statüleri de Bağ-Kur kapsamında değerlendirileceği açıklanmıştı.
1 Ağustos 2019 Tarihinden birkaç hafta kadar önce bu yönde bir kanun çıkarılacağı bilgisi yayılmış ve tüm borçlanmak isteyen kişiler borçlanma taleplerini kuruma iletmişlerdi.
Eksik belgelerle müracaat edenlere ek süre Eski kanundan faydalanarak 4/a statüsünde ve ucuz borçlanma yapmak erken emekli olmak isteyenler sadece dilekçe ile müracaatlarını yaptılar. Sadece dilekçe ile müracaat edenlere kurum 'eksik belgeleriniz var, bu belgeleri 3 ay içerisinde tamamlayın' tebligatı gönderdi.
Bu tebligatı eline alan gurbetçilerimizin 3 aylık süreyi dolduranlar için yeni bir fırsat doğdu. SGK 1 Nisan'da yayımlamış olduğu duyuru ile 1 Ağustos 2019 tarihinden önce yurt dışı borçlanması yapmış ve eksik evrakı olduğu tespit edilen gurbetçilere ek süre tanıdı.
Eksik belgelerinin tamamlanmasına ilişkin tebligatı 01.12.2019 – 31.12.2019 tarihleri arasında alan kişilerin eksik belge tamamlama süreleri 31.07.2020 tarihine kadar, eksik belgelerinin tamamlanmasına ilişkin tebligatı 01.01.2020 – 29.02.2020 tarihleri arasında alan kişilerin eksik belge tamamlama süreleri 01.03.2020 tarihine kadar geçen süreler düşülerek kalan süreleri 01.07.2020 tarihinden itibaren, eksik belgelerinin tamamlanmasına ilişkin tebligatı 01.03.2020 – 30.06.2020 tarihleri arasında alan ya da alacak kişilerin eksik belge tamamlama süreleri 01.07.2020 tarihinden itibaren başlatılacaktır.
Örnek 1: Fatma hanım 15.07.2019 tarihinde eksik belgelerle birlikte yurtdışı borçlanması yaptı. Kurum, Fatma hanıma eksik belgeleri tamamlama yazısı gönderdi ve Fatma hanıma bu yazı 15.02.2020 tarihinde tebliğ aldı. Normal şartlarda 3 aylık eksik belge tamamlama süresi 15.02.2020 itibariyle başlayıp 15.05.2020 itibariyle sonlanmış olacaktı. Ancak bu düzenleme ile 15.02.2020 tarihinden 01.03.2020 tarihine kadar olan kısım düşülerek 3 aylık süre 01.07.2020 itibariyle başlatılacaktır. Yani Fatma hanımın 3 aylık süresinden 15 gün düşülerek kalan 2,5 aylık kısmı ise 01.07.2020 tarihinden itibaren düşürülecektir.
Örnek 2: Ahmet bey eksik belgelerle 01.06.2019 tarihinde yurtdışı borçlanması müracaatında bulunmuş. Kurum, Ahmet beye 01.12.2019 tarihinde eksik belge tamamlama yazısı göndermiş. Ahmet bey bu yazıyı 10.12.2019 tarihinde tebliğ almış. Normal şartlarda Ahmet beyin 10.03.2020 tarihinde süresi doldu. Ancak yapılan bu düzenleme ile birlikte Ahmet beye 31.07.2020 tarihine kadar yeniden eksik belgelerini tamamlama hakkı tanınmış oldu.
3600 Günden Emekli Olmak İçin Gerekli Olan Şartlar Nelerdir?
3600 günden erken emeklilik için sigorta başlangıç tarihinin 9 Eylül 1999 ve öncesine ait bir giriş içermesi gerekir. Belirlenen tarih ve öncesinde sigorta girişi olan vatandaşların diğer şartları da yerine getirmesi halinde erken emekli olmasına imkan tanılıyor. Eylül 1999 tarihinden sonra sigorta başlangıcı olanların erken emekli olması için 4500 prim gününe sahip olması şartı aranılır. Mayıs 2008'den sonra sigortalı olan kişilerin 5400 prim günün doldurulması gerekir. 3600 günden erken emekli olmak için sigorta başlangıç tarihinin 1999 yılı öncesi olmasının yanında vatandaşların 15 yıllık sigorta süresini ve 3600 gün prim ödemesinin tamamlanması gerekir. Belirlenen prim günü ve sigorta süresinin ardından kişinin emeklilik yaşı tespit edilebilir.
Kadınlar 3600 Günden Kaç Yaşında Emekli Olabilir?
15 yıllık sigortalılık süresi ve 3600 prim günü şartlarını belirlenen tarihlerde tamamlayan kadın işçilerin emeklilik yaşları düzenlenmiştir: • 24 Mayıs 2002- 23 Mayıs 2005: 52 yaşında • 24 Mayıs 2005- 23 Mayıs 2008: 54 yaşında • 24 Mayıs 2008- 23 Mayıs 2011: 56 yaşında • 24 Nisan 2011 tarihinden sonra: 58 yaşında
Erkekler 3600 Günden Kaç Yaşında Emekli Olabilir?
15 yıllık sigortalılık süresi ve 3600 prim günü şartlarını belirlenen tarihlerde tamamlayan kadın işçilerin emeklilik yaşları düzenlenmiştir: • 24 Mayıs 2002- 23 Mayıs 2005: 56 yaşında • 24 Mayıs 2005- 23 Mayıs 2008: 57 yaşında • 24 Mayıs 2008- 23 Mayıs 2011: 58 yaşında • 24 Mayıs 2011- 23 Mayıs 2014: 59 yaşında • 24 Mayıs 2014 tarihinden sonra: 60 yaşında
NE ZAMAN EMEKLİ OLURUM? İŞTE SORU VE CEVAPLAR
01.10.1985 sigorta girişliyim. 3600 günüm var. Sigortam devam etmekte. 5...889733 Nolu SMS
İşe başlama tarihinize göre 25 yıl, 49 yaş ve 5300 prim gün şartlarına tabisiniz. İşe giriş askerden sonra ise 4.5 aylık askerlik borçlanıp 25 yıl, 48 yaş ve 5225 prim gün şartlarına tabi olabilirsiniz. 3600 günden hangi yaşta emekli olabileceğinizi hesaplamamız için doğum tarihinizi bilmeliyiz. 55 yaşınızı hangi tarihte tamamladığınızı bilmeliyiz ki yaşkademe hesabını ona göre yapalım. 1993 Temmuz SGK girişliyim. 11.12.1977 doğumluyum. Askerliği 6 ay yaptım. 5...181067 Nolu SMS
İşe başlangıcınıza göre 54 yaş ve 5675 prim gün şartlarına tabisiniz. Bu ay 25 yıl şartınız, 2031 yılında da yaşınız dolacak. Emekli olabileceğiniz tarih 11.12.2031 olacaktır. 26.09.1974 doğum tarihim. SSK girişim Ocak 1996. Bağ-Kur 12 yıl 1 ay 10 gün. Askerlik 1994-1996 arası yapıldı. 5..636699 Nolu SMS
Prim ödemelerinizin son 1260 günü SSK kapsamında geçmek şartı ile 25 yıl, 56 yaş ve 5825 prim gün şartlarına tabisiniz. Askerlik işe başlangıçtan önce ise 55 yaş ve 5750 prim gün şartlarına tabi olabilirsiniz. Bu durumda 55 yaşınızın dolacağı 26.09.2029'da emekli olabilirsiniz.
03.05.1974 doğum tarihim, SSK girişim 01.05.1996, 5092 gün primim var. Askerliğimi 1994 yılında 18 ay olarak yaptım. 5...554876 Nolu SMS
SSK girişinize göre, 25 yıl, 56 yaş ve 5825 prim gün şartlarına tabisiniz. 6 aylık askerlik borçlanması yaparak 25 yıl, 55 yaş, 5750 prim gün şartlarına tabi olabilirsiniz. Buna göre de 478 gün daha prim ödeyerek 55 yaşınızın dolacağı 04.05.2029 tarihinde emekli olabilirsiniz. 1979 doğumluyum. 07.07.1995 girişliyim. 2500 günüm var. 5...780126 Nolu SMS
İşe başlangıcınıza göre 25 yıl, 55 yaş ve 5750 prim gün şartlarına tabisiniz. 55 yaşınızın dolacağı 07.07.2034 tarihine kadar 5750 günü tamamlayıp emekli olursunuz.
01.01.1968 doğumluyum. 03.07.1993 sigorta girişim. Sigorta başlangıcından önce 15 ay, 10 gün askerlik yaptım. İşe girdikten sonra askerlik borçlanmamı ödedim. 8000 gün primim var. 5...614116 Nolu SMS İşe girişinize göre 25 yıl, 54 yaş ve 5675 prim gün şartlarına tabisiniz. Askerliği ödediğinizden dolayı 25 yıl, 53 yaş ve 5600 prim gün şartlarından emekli olabilirsiniz. Prim gün sayınız tamamlanmış ancak 53 yaşınız 2021 yılında dolacak. Bu durumda emekli olacağınız tarih 01.01.2021 olacaktır.
4A NEDİR? KİMLERİ KAPSAR?
4A eski adıyla SSK'ya prim ödeyenleri kapsamaktadır. Bu da bir iş yerinde sözleşmeli olarak çalışan kişilerin çalışma alanını ifade eder. Şimdilerde 4A olarak adlandırılan sistem 5510 sayılı yasa gereği Sosyal Güvenlik Kurumu (SGK ) altında yer almıştır.
4A, 4B, 4C NEDİR, KİMLERİ KAPSAR?
Türkiye'de, çalışan vatandaşların sosyal güvencelerden faydalanabilmeleri, şartlar tamamlandığında emeklilik hakkını kazanabilmeleri ve devlet tarafından istihdamın kontrol altında tutulabilmesi için Sosyal Güvenlik Kurumu'na (SGK) bağlı olan çeşitli sistemlere bağlı olarak çalışmaları gerekmektedir. Aynı zamanda çalışan her vatandaşın en büyük haklarından biri de bu güvencedir. İşte Sosyal Sigortala Kurumu'nun (SGK) üstlendiği bu görevde farklılık gösteren güvence sitemleri 4A, 4B ve 4C'nin kapsam alanları…