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SGK tarafından resmen açıklandı. Vatandaşlar SSK 'ya akın etti. Erken emekli lik milyonlarca çalışanın hayali olup "yaş, prim gün adedi ve sigortalı olma süresi" şartlarını yerine getirenler bu hakkı elde eder. Çalışanlar, "yaştan, normal ve erken" olmak üzere üç şekilde emekli olabiliyor. Bu şartlarda aranan süreler işe başlama tarihine göre bazı durumlarda indirilerek değişik emeklilik seçenekleri sunulabiliyor. SSK'lı olanlarda ilk işe giriş tarihine göre yaş, prim ödeme gün sayısı, sigortalılık zamanı koşulları belirleme ediliyor.
1- Yaştan emekli olmanın koşulları neler?
İlk defa uzun vadeli sigorta kollarına prim ödenerek çalışılan gün giriş olarak kabul ediliyor. Emekli olabilmek için çalışma yılı, gün sayısı, yaşın dolması zorunlu. Yaştan emeklilik sigortalı olunan tarihe göre değişiyor. Takvim.com.tr kısaca bilgiler sizlerle. Aşağıdan haber imizi okumaya devam edebilirsiniz.
2- 18 yaş öncesi yatırılan sigorta primlerinin emeklilikte bir etkisi var mı?
Bu yaştan önceki sürelere ait sigorta günleri kaybolmaz, emeklilikte aranan prim gün sayısında hesaba katılır. Bu yaştan önceki çalışmaların emekliliğe etkisinde Nisan 1981 tarihi önem taşıyor.
ERKEN EMEKLİ OLMAK İÇİN DETAYLAR İÇİN TIKLAYINIZ
3- Yıpranmayla ek prim emeklilik getiriyor mu?
Çimento, cam, kurşun, demir ve çelik fabrikaları, yeraltı işleri, askeri görevlerde, emniyet başta olmak üzere 45 iş konulunda yıpranma nedeniyle erken emekli olunabiliyor.
Bu mesleklerde çalışanlar için ödenen primler daha fazla kabul ediliyor ve yaş şartında indirim yapılıyor. Ağır bir meslekte çalışıyorsanız yıpranma payı ile erken emeklilik mümkün olabiliyor.
4- Yıpranma payı fiili hizmetten sayılıyor mu?
Yıpranma payı fiili hizmetten de sayılıyor. Bu mesleklerde her yıla 90 gün ek fiili hizmet artışı eklenmesi durumunda bir yıl çalışan 15 ay çalışmış kabul ediliyor.
Normalde emeklilikte esas olan 360 gün sayısı fiili hizmet artışı ile her yıl 360 gün ile birlikte 60-180 gün arasında farklı oranlarda prim sayısı ekleniyor. Fiili hizmet süresi zammı olarak da bilinen yıpranma hakkından 45 iş kolu faydalanabiliyor. Takvim.com.t r haber ini okuyorsunuz. Haber kaldığı yerden devam ediyor.
5- Memurlar ve işçiler için yıpranma payı nasıl hesaplanıyor?
Eylül 1999'dan önce hizmette bulunan bir kamu çalışanın yıpranma payının tamamı emeklilik süresinden düşer. Bu tarihten önce başlayan memurun yıpranma payının yarısı da emeklilik yaşından indirilir.
Yıpranma payı hem emekli aylığını hem de ikramiyeleri olumlu yönde etkiler. İşçilerde de yıpranma yapı, eklenen prim gün sayısının yarısı kadar süre işçinin emekli olabilmesi için doldurulması gerekli olan yaştan düşürülür. İşçinin yıpranma payı kapsamında olan işlerde minimum 3 bin 600 gün çalışmış olması gerekiyor.
6- Sigortalı olduktan sonra yaşta yapılan düzeltme dikkate alınır mı?
Emeklilik açısından ilk defa sigortalı olarak çalışılmaya başlanan tarihte nüfus kaydındaki doğum tarihi geçerli olacak. İlk defa çalışmaya başladıktan sonra mahkeme kararıyla yapılan düzeltmeler emeklilik işlemlerinde geçerli kabul edilmiyor. Sigortalı olunan tarihten önce yapılan yaş büyütmeleri emeklilik açısından kabul ediliyor.
7- Doğum, askerlik borçlanmasına gitmek vergi avantajı sağlar mı?
Yurtdışı borçlanma, doğum, askerlik gibi hizmet borçlanmasıyla sigorta gün sayıları artırılabilir. Bu kapsamda sigorta primlerini borçlanma yoluyla ödeyenler işyerine başvurarak ödedikleri borçlanmaya ilişkin primlerin gelir vergisinden indirilmesini talep edebilir.
8- Staj sigortası doğum borçlanmasında dikkate alınır mı?
Eğitim döneminde yapılan stajlar emekliliğe esas olan uzun vadeli sigorta primi olarak ödenmiyor. Bu nedenli sigorta başlangıcı kabul edilmiyor. Ancak doğum borçlanmasında başlangıç olarak kabul ediliyor. Staj sonrası doğum yapan kadın çalışanlar, tescil şartını yerine getirmiş kabul ediliyor.
9- Yaş tahsisinin emekliliğe etkisi var mı?
Nüfusa geç kayıt, memur hatası, kayıtların yangında zarar görmesi gibi nedenlerle nüfustaki yaş gerçek yaşı yansıtmayabiliyor. Mahkeme kararıyla düzeltilmesi durumunda tespit edilen yaşın sosyal güvenlik hukuku açısından kullanılması söz konusu olabiliyor. SSK sigortalılarının emekli olacağı yaş ilk sigortalılık tarihine göre hesaplanıyor, Bağ-Kur sigortalıları için yaş koşulu Haziran 2002 tarihinde kadınların 20 yılı (7200 gün) ve erkeklerin 25 yılı (9 bin gün) doldurmasına kalan süreye göre belirleniyor. SGK 'nın 2011'deki genelgesiyle ilk defa malullük, yaşlılık, ölüm sigortalarına tabi oldukları tarihte, doğum tarihlerinin esas alınacağı düzenlendi.
10- Çocuğuma küçük yaşta sigorta yaptırmamın erken emekliğe katkısı olur mu?
Emekli aylığına hak kazanma koşulları 18 yaş öncesi işe giriş tarihine bakılmadan emeklilik yaşı, gereken prim gün sayısı ile tespit ediliyor. Küçük yaşta yapılan sigortalılık prim günleri geçerli olmakla beraber ilk sigortalılık tarihini etkilemez. Ancak kadınlarda 20 yıl, erkeklerde 25 yıl olan süre şartının belirlenmesinde sigortalının 18 yaşı doldurduğu tarih sigortalılık başlangıç tarihi olarak dikkate alınmıyor. 18 yaş dolmadan önceki süreler için ödenen malullük, yaşlılık, ölüm sigorta primleri sadece prim ödeme gün sayılarının hesabına dâhil ediliyor.
11- Staj süreci dikkate alınıyor mu?
Meslek okulları ve zorunlu stajlar emeklilikte dikkate alınmıyor. Staj yapılırken yaşlılık sigorta koluna prim yatırılmıyor. Bu nedenle hesapta dikkate alınmıyor.
12- Birden fazla SSK numarası olması sorun yaratır mı?
Birden çok SSK numarası ciddi sıkıntılara neden olabilir. Emeklilik öncesi mutlaka sicil numaralarının birleştirilmesi gerekiyor.
13- Sağlık sorunları nedeniyle erken emeklilik mümkün mü?
Sosyal güvenlik mevzuatına göre sağlık sorunlarıyla ilgili olarak "malulen ve engelli hakkıyla" emeklilik mümkün.
AYRICA ERKEN EMEKLİ OLMANINDA ŞARTLARI VARDIR?
3600 günden emekli olabilirsiniz!
4A yani eski adıyla SSK , 4B yani eski adıyla Bağ-Kur ve 4C yani eski adıyla emekli sandığı kapsamında sigortalı olan bayan ve erkeklerin erken emekli olabilmeleri amacıyla en mühim koşul sigorta başlangıç tarihleridir. Erken emeklilikte üç tarih çok mühim…
Erken emeklilik amacıyla 08.09.1999 tarihinden evvelce sigortalı olup, 15 senelik sigorta zamanı ve 3600 prim gününü tamamlamış olmaları gerekmektedir.
İkinci olarak da 31.12.2011 tarihinden evvelce sigortalı olup 15 senelik sigorta zamanı ve 3600 iş günü primini dolduran erkekler 55 yaşında, bayanlar ise 54 yaşında emekli olmaya hak kazanırlar.
08.09.199 tarihinden evvelce girişi olmayanların 3600 günden emekli olmaları olası değildir. Bunun dışında 31.12.2011 tarihine kadar prim gününü doldurmamış olan erkek sigortalılar 59, bayan sigortalılar ise 58 yaşında 3600 gün üzerinden emekliliğe hak kazanırlar.
Kişinin sigorta girişi 08.09.1999 tarihinden sonra ise 3600 prim gününden emekli olmaları üstünlük sağlamamaktadır. Ancak, 3600 gün koşulu, 08.09.1999'dan sonra işe girenler amacıyla 4500, 01.05.2008 gününden sonra işe girenler amacıyla 5400 olarak uygulanmaktadır.