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Milyonlarca vatandaş erken emeklilik ile alakalı yolları arıyor. Bu anlamda nasıl emekli olunur? Sorusu arama motorlarında en çok aratılanlar arasında. Bilindiği üzere emekli olmak amacıyla belirli gün ve yaş koşulunu doldurmak gerekiyor. Belli bir tarihten evvelce sigortalı olanlar amacıyla ise yaş koşulu düşüyor. Bayanlarda 50 erkeklerde ise 55'e kadar iniyor. Kanun kapsamında sigorta başlangıç tarihine göre aniden çok planlama yapıldığını söylemek gerekir. Bu planlamalardan bir tanesi de 8 Eylül 1999 ve evvel ilk kez sigortalandırılan kişilerin emekliliği hak etme prosedürlerini belirliyor. İşte 49, 50, 54 ve 56 yaşında emeklilik müjdesi detayları...
YAŞ ŞARTI DEĞİŞİYOR MU?
Belli bir tarihten önce sigortalı olanlar için ise yaş şartı düşüyor. Kadınlarda 50 erkeklerde ise 55'e kadar iniyor. 1999'dan önce sigortalı olan kadınların 15 yıl 3 bin 600 günü doldurmaları şartıyla 50, erkeklerin ise 55 yaşında emekli olma imkanları da bulunuyor. Takvim.com.tr kısaca bilgiler sizlerle. Aşağıdan haber imizi okumaya devam edebilirsiniz.
ANNENİZ BORÇLANMA YAPSIN
Annem, babamın emekli sandığı dul maaşını alıyor. Kendisi 1975'te bir miktar çalışmış.
3 çocuk sahibi 1972-1978 ve 1983 doğumlu. Annem 1950 doğumlu. Annemin emekli olabilmesi mümkün mü? Aslıhan USLU Anneniz yukarıda anlattığımız 50 yaş şartı ile emeklilik hakkına sahip. Ancak bunun için öncelikle 3600 günü doldurması lazım. Verdiğiniz bilgilere göre annenizin yeterli primi yok. Ancak sigortadan sonraki doğumları borçlanabilir. Buna göre 1978 ve 1983 doğumlu çocukları için borçlanma yaparak 1440 gün (4 yıl) kazanabilir. Ancak bu da yetmeyecektir.
Her halükarda 3.600 gün prime ulaşması gerekiyor. Bu tamamlandığında hemen emekli olabilir. Borçlanma miktarı aylık olarak brüt asgari ücretin yüzde 32'si olarak hesaplanıyor. Anneniz emekli olduğunda maaş alması, ya da primini tamamlaması için çalışıyor olması yüzünden dul maaşı kesilmez. Ancak oranı düşer.
3.600 GÜN GEREKİR
- Eşim 1969 doğumlu. İşe giriş tarihi 01.12.1985. Ağustos sonu itibariyle 1391 günü var. 2 çocuk sahibiyiz ve daha doğum borçlanması yapmadık. Bu şartlarda ne zaman ve kaç gün ile emekli olabilir? Nazım YONTAR
Eşinizin tam emeklilik için şartları 20 yıl 42 yaş ve 5075 gün. Yaş ve yılı tamam, ancak primi 2 çocuk 1985'ten sonra doğmuşsa borçlanıp 1440 gün kazanabilirsiniz.
Çalışıp primi 5075'e tamamlarsa hemen emekli olur. Bu imkan yoksa primi 3600 güne tamamladığınızda ise 58 yaşında emekli olur. Kısmi emeklilikte maalesef yaş kademeli olarak artıyor. Yaşını da 3.600 günü tamamladığınız tarih belirliyor.
HİZMET TESPİTİ GEREKİR
- 1979 Mart doğumluyum. 1992 ve 1993'te sanayi sitesinde 3 er ay çalışmışlığım var. Ama herhangi bir prim ve sigorta girişi yok. Ama çalıştığımı ispatlayabilirim. Sigorta girişi staj 1995. Normal olarak da 1996. Yasal yollara başvursam 1992-93 girişim kabul edilir mi? Enis DALKIRAN
Bahsettiğiniz 1992 ve 1993 yılında fiilen çalışmışlığımız varsa bu yıllar için hizmet tespiti isteyebilirsiniz. Ancak burada bir zaman aşımı olabilir. SGK 'ya öncelikle hizmet tespit dilekçesi verilerek bu çalıştığınız dönemin sigorta kapsamına alınmasını talep edin. Bu yılları saydıramazsanız staj girişiniz de emeklilik hesabında kullanılmadığından sizin emekliliğiniz 1996'daki girişinize göre yapılacak.
NE ZAMAN EMEKLİ OLURUM?
- 20 Mart 1960 doğumluyum. Sigortaya giriş tarihim 08.06.2001. Ne zaman emekli olurum? Ramiz UĞURLU
Sigortalı olarak çalışmaya çok geç başlamışsınız. Bu yüzden de emekliliğiniz biraz geç olacak. İşe giriş tarihinize göre 7 bin gün prim ödemeniz gerekiyor. Emeklilik için yaş şartınız ise 60 olacak.
49 yaşı dolduruyorsanız emeklisiniz
SSK başlangıç tarihim 6 Mayıs 1986. Halen çalışıyorum. Ne zaman emekli olabilirim? Kaç gün pirim ödemeye ihtiyacım var? Genelde prim ödemelerin brüt maaş üzerinden ortalama 10 yıldan beri ödenmektedir. Emekli olunca ortalama ne kadar maaş bağlanır? Rıdvan KAPLAN
Emekli olmak için 25 yıl sigortalılık süresi, 5300 gün prim ödeme ve 49 yaş şartlarına tabisiniz. Doğum tarihinizi bildirmemişsiniz. Sorunuzdan prim ödemenizin yeterli olduğu anlaşılıyor. 49 yaşınızı dolduruyorsanız istediğiniz zaman ayrılabilirsiniz. Emekli aylığını çalışma hayatı boyunca üstünden prim hesaplanan kazanç tutarı ve prim ödeme gün sayısı belirliyor. Bunun yanında prim ödenen dönemler de çok önemli. Çünkü 2000'den önce, 1 Ocak 2000 ile 1 Ekim 2008 arası ve 1 Ekim 2008'den emekli olunan tarihe kadar ödenen primler, emekli aylığınızı farklı etkiliyor. Ne kadar emekli aylığı alacağınız tüm bu verilere göre değişir
58 YAŞINDA EMEKLİLİK
20.04.1981 doğumlu bayanım. İşe giriş 15.04.2005. N. ONUR
İşe girişinize göre 58 yaş, 7000 günden tam, 25 yıl, 4500 prim gün ve 58 yaştan kısmi (yaştan) emeklilik şartlarına tabisiniz. Emekli olabilmeniz için en az 4500 prim gün ödeyip 58 yaşınızın dolacağı 20.04.2039 tarihini bekleyebilirsiniz.. "1976 doğumluyum. SSK giriş tarihim 1991. Toplam 5154 gün prim ödemem var. Ne zaman emekli olurum? Emeklilikte yaşa takılanlar (EYT) yasası kabul edilirse, emekli olma şansım var mı?"
Sigorta başlangıcınız 23 Mayıs'tan önceyse; 296 gün daha prim ödeyerek priminizi 5450 güne tamamlamanız şartıyla 47, sonraysa 371 gün daha prim ödeyerek priminizi 5525 güne tamamlamanız şartıyla 48 yaşınızı dolduracağınız tarihte emekli olabilirsiniz.
EMEKLİLİK PRİM GÜN SAYISI
Emekli olma hayali kuran milyonlarca vatandaş, emekli olabilmek için gün sayıyor. Emekli olmanın bazı şartları vardır. Bunlar; sigortalılık süresi, yaş ve emeklilik primi sayısından geçiyor.
Bu şartlar yerine getirildiği takdirde (Yaş, sigortalılık süresi ve prim gününün tamamlanmasıyla) Sigorta Güvenlik Kurumu tarafından, vatandaşlara emekli maaşı verilir. Ortalama 5000-7000 prim gün sayısı ile emekli olmaya hak kazanırsınız.
EMEKLİLİK GÜNÜ HESAPLAMA
Emekli olmak için kaç gün gerekli?
Çalışmaya hayatına veda etmeye hazırlanan emekli adayları emeklilik olma günlerini merak ediyorlar. Artık bir tık ile emeklilik gününü hesaplamanız mümkündür.
Bunun için yapmanız gereken tek şey en yakın PTT şubelerinden 2TL karşılığı e-devlet şifresi edinmektir. Daha sonra e-devlet üzerinden emeklilik hesaplama ve sorgulama tablosunu öğrenmek için ilk olarak, sorgu ekranından kimliğimi şimdi doğrula butonuna tıklayınız. Daha sonra kimliğinizi doğrulamak için T.C. kimlik numaranızı ve şifrenizi giriniz. Bu şekilde e-devlet sistemine giriş yapabilirsiniz.
Bu linke tıklayarak https://www.turkiye.gov.tr/sgk-ne-zaman-emekli-olabilirim açılan sayfadan emeklilik gününüzü ve yaşınızı tabloda istenen bilgileri girerek öğrenebilirsiniz. Ayrıca Sosyal Güvenlik Kurumunun sitesinden bu linke https://uyg.sgk .gov.tr/nezaman/ tıklayarak açılan sayda istenilen bilgileri doğru ve eksiksiz bir şekilde doldurduğunuz zamanda istediğiniz bilgilere ulaşabilirsiniz.
Çalışırken Maaş Nasıl Yükseltilir?
Emekli maaşını yükseltmek isteyenler amacıyla çalışılan dönemde bu artış sağlanabilmekte olup emekli olduktan sonra maaşı yükseltmek olası olmamaktadır. Emekli olduktan sonra yüksek maaş alabilmek isteyenlerin çalışılan dönemde aniden çok işte çalışarak SGK'ya bildirilen temel kazancın yüksek olması gerekmektedir. Aynı vakitte değişik SGK kollarında çalışanların da son üç buçuk sene amacıyla da tavandan ücret bildirip SSK 'dan yani 4/A statüsünden emekli olması halinde gene maaşlarda artış olacaktır.
4/A'ya Geçişte Erken Emeklilik
SSK'lı olup daha sonra esnaf ya da memur olan bir vatandaş, emekli olmasına 1.261 gün yani 3.5 sene kala gene SSK'lı olarak çalışmaya başlarsa, daha erken emekli olma talihi yakalayabilmektedir. Bu noktada yurttaşların mühim bir tarih olan 23 Mayıs 2002'ye kadar ödenen primlere ilgi etmesi gerekmektedir. 1 Ocak Ayı 1983'te SSK'lı olarak çalışmaya başlayan bir şahıs 47 yaşında emekli olabilir. Fakat sonra memur olmuşsa ve sadece 4 sene SSK'lı çalışmışsa, 57 yaşında emekli olabilmektedir.