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Milyonlarca çalışan erken emekli olmak amacıyla her gün tetkik yapıyor. Bu anlamda EYT ile ilgili gelişmeler gündemin en üst noktasında yer alıyor. Çalışma ve Sosyal Güvenlik Bakanlığı doğrultusundan oluşturulan geçen vakitlerde oluşturulan bildirimde öncelikli olarak gündemde asgari ücret ve 3600 ek göstergenin olduğu ifade edilmişti. Yeni seneye az bir vakit kala EYT'de hangi formüllerin olacağı akıllarda yer almaya başladı. Fakat emeklilik te yaşa takılanlar amacıyla müjdeli haber gelmezse bu yöntemler daha çok önem kazanacak. Emeklilikte yaşa takılanlar meclisten gelecek müjdeli bir haberi beklerken bütçe açığında yaşanan artış söz hususu meşru düzenlemeyi zora sokuyor.
EYT ÇIKARSA KİMLER EMEKLİ OLUR?
Emeklilik te Yaşa Takılanlar kelimelerinin ilk harflerinden meydana gelen kısaltma olan EYT 1999 senesinde oluşturulan meşru planlama sonunda emekli olmak amacıyla aranılan prim gün adedi ve emeklilik sene zamanını doldurmasına karşın yaş engeline takıldığı amacıyla emekli olamayan kişileri kapsamaktadır.
8 Eylül 1999 tarihi ve evvel sigortalı olanlar EYT kapsamına girmektedir. EYT son dakika müjdesi gelirse 5 milyon 954 bin 225 bireyin emekli olması bekleniyor.
Takvim.com.tr kısaca veriler sizlerle. Aşağıdan haber imizi okumaya devam edebilirsiniz
EYT ÇIKMADAN EMEKLİLİK YAŞI NASIL DÜŞER, GERİ ÇEKİLİR?
EYT çıkmazsa emeklilik yaşını düşürmek isteyen kişilerin kullanabilecekleri 6 yöntem şu şekilde sıralanıyor;
YIPRANMA PAYI!
5 yıla kadar erken emeklilik imkanı sunan yıpranma payı ile 20 sene çalışan kişi 25 sene çalışmış sayılıyor ve 5 sene erken emeklilik müjdesi gelecek.
MALULEN EMEKLİLİK İÇİN 10 YILLIK SİGORTALILIK SÜRESİ YETİYOR
Yüzde 60 oranında iş gücü kaybı yaşayan kişiler yaş beklemeden malulen emeklilik hakkı kazanıyor. 10 yıllık sigorta süresi, 1800 prim gün sayısı ve yüzde 60 oranında iş gücü kaybı raporu yeterli oluyor.
ENGELLİ HAKKI İLE 16 YILDA EMEKLİLİK FIRSATI
Bir diğer seçenekte 1 Ekim 2008 ve sonrasında sigortalı olan engelli kişiler yüzde 50 ile 59 arasında çalışma gücü kaybı yaşayanlar için 16 yıllık sigortalılık süresi 3700 gün ile emekli olma fırsatı sunuluyor. Yüzde 40 ile 49 arasında olanlar ise 4100 prim gün sayısı ve 18 yıllık sigortalılık süresi ile emekli olacaklar.
KADINLAR İÇİN DOĞUM BORÇLANMASI NASIL YAPILACAK?
- İster SSK'lı çalışanlar, ister Bağ-Kurlu olanlar, isterse de memur statüsünden çalışan tüm kadınlar doğum borçlanması imkanından yararlanabiliyor.
- Doğum yapan kadının, doğumdan önce sigortalı olarak çalışıyor olması gerekiyor.
- Sigortalı olunan dönemden önce yapılan doğumlar için borçlanma imkanı bulunmuyor.
- Doğumdan önceki 8 haftalık süre ile çoğul gebelik halinde de 10 haftalık süre ve doğuma 3 hafta kalana kadar çalışılması durumunda ve doğum sonrası süre dahil toplam 2 yıllık süre borçlanılabiliyor.
- Bir doğum için borçlanılacak süre 720 gün.
- En fazla 3 doğum için borçlanma imkanından yararlanılıyor. Böylece ikişer yıllık sürelerle birlikte toplam borçlanma süresi 6 yıl oluyor.
- 3 çocuk için borçlanma yapacak bir kişinin, toplam 2160 (720x3) güne kadar borçlanma imkanı bulunuyor.
- Doğum yaptıktan sonra çalışanın adına yatan prim süreleri borçlanmada dikkate alınmıyor.
- Doğum borçlanmasında bilinmesi gereken en önemli husus, emeklilik için gerekli olan prim gün sayısına olan katkısıdır. Yoksa doğum borçlanması emeklilik yaşını erkene çekmez. Sadece emeklilik için gerekli olan prim gün sayısını azaltır.
- Örneğin, 9 Eylül 1999 ile 30 Nisan 2008 tarihinde işe giren bir SSK'lı, 7000 gün prim ödemesi ve 58 yaşını doldurması gerekiyor. Bu çalışanın bir doğum yaptığında, 720 gün borçlanabiliyor. Bu da emeklilik için gerekli prim gün sayısını 720 gün aşağı çekiyor ve emeklilik için doldurulması gereken prim gün sayısı bu sayede 6280 gün oluyor.
- Doğum borçlanması asgari ücrete göre belirleniyor ve her yıl asgari ücretteki değişikliğe göre borçlanma miktarı da artıyor. Borçlanma karşılığında ödenecek en düşük tutar asgari ücretin yüzde 32'si, en yüksek tutar da asgari ücretin yüzde 32'sinin 7,5 katıdır. Bugün için, en düşük tutar aylık 649,44 lira, günlük ise 21,65 liradır.
- 2018 yılı için, 1 çocuk için yapılacak borçlanma karşılığında ödenecek tutar 15.566,64 (720 gün x 21,65 TL) liradır.
ASKERLİK BORÇLANMASI İÇİN GEREKLİ ŞARTLAR
- Erkekler, er ve erbaş olarak ya da yedek subay okulunda geçen sürelerini emeklilik için borçlanabiliyorlar.
- Askerlik borçlanması en fazla askerlik süresi kadar yapılabiliyor.
- Askerlik borçlanması, emeklilik için gerekli olan prim gün sayısını artırır. Örneğin, emeklilik için gerekli yaş ve prim ödeme gün sayısını yerine getiren erkek çalışanların, çalıştığı süre emekliliğine yetmiyorsa, askerlik borçlanması yaparak bu süreyi tamamlayabilir.
- Emekli olmasına bir yıl kalan bir çalışan, bu süreyi çalışarak geçirmek yerine askerlik süresini borçlanabilir.
- Askerlik borçlanması çalışmaya başlamadan öncesi için de yapılabilir. Şöyle ki; ilk sigortalı girişi 2000 yılında olan biri, askerliğini 1999 yılında yapmışsa, askerliğini borçlanması halinde, emeklilik yaşını da erkene çekebilir. Eğer bir yıllık borçlanma yapılırsa, emeklilik yaşını da bir yaş önceye çeker ve 60 yaşında emekli olunacaksa 59 yaşında emekli olmaya hak kazanır. Askerlik öncesi sigortalı olanlar ise bu haktan yararlanamıyor.
- Askerlik borçlanması asgari ücrete göre belirleniyor ve her yıl asgari ücretteki değişikliğe göre borçlanma miktarı da artıyor. Borçlanma karşılığında ödenecek en düşük tutar asgari ücretin yüzde 32'si, en yüksek tutar da asgari ücretin yüzde 32'sinin 7,5 katıdır. Bugün için, en düşük tutar aylık 649,44 lira, günlük ise 21,65 liradır.
- Örneğin, bir yıl askerlik borçlanması yapacak bir çalışan, 7.902 lira (365x21,65 TL) ödeme yapacaktır.
- Askerlik borçlanmasından yararlanabilmek için kişinin askerde olduğu süre içinde işvereni tarafından sosyal güvenlik kurumuna prim ödenmemesi gerekir. Eğer askerlik süresi içinde prim ödenmişse, ödenen bu primler sosyal güvenlik kurumu tarafından iptal edilir.
EYT FORMÜLLERİ
1-KAPSAM: Komisyonun ilk olarak ele aldığı konu kapsam olacak. EYT yasasının kapsamı içine girecek sigortalıların tespiti sağlanacak. Genel olarak 9 Eylül 1999 öncesinde sigortalı olanlar kapsama giriyor. Burada erkekler için 25, kadınlar için ise 20 yıllık sigortalılık süresi de dikkate alınıyor. Ancak bu tarihten önce Emekli Sandığı'na girmiş ya da Bağ-Kur'lu olmuş EYT'liler de mevcut.
Bütün bunlar ayrı ayrı değerlendirilerek kapsamlı bir çalışma yapılıyor. Kapsam bittiğinde yasadan etkilenecek kişi sayısı da ortaya çıkacak. Böylece hesaplamalar kolay yapılabilecek.
2-EMEKLİLİK ŞARTI : Burada birkaç formül üzerinde çalışmalar devam ediyor. Yılını ve primini doldurup yaş şartını yerine getirmeyi bekleyenlerin bu şarta bakılmadan emekli edilmeleri söz konusu olabilecek.
5000 ile 5975 gün arasındaki primi tamamlayanlar kapsama giriyor. 3600 gün ile kısmi emeklilik de gündemde. Almanya ve Finlandiya'da uygulanan belli oranda kesinti ile maaş bağlanması da bir formül olarak duruyor. Emeklilik için 50 ve üzeri yaş şartı da değerlendiriliyor.
3-MALİ BOYUTU: Emeklilikte Yaşa Takılanlar'ın sayısı ile ilgili 5 milyon kişi gibi sayılar ortaya atılsa bile kesin bir rakam yok. Ancak çok homojen ve farklı kurumlardan sigortalıların olduğu bir yapısı olması dolayısıyla çok sayıda insanı ilgilendiriyor.
Bu noktada kapsam belirlendiğinde sayı da ortaya çıkacak. Bu yönüyle kaç kişinin emekli olabileceği ve kaç lira maaş alacağı hesaplanarak konunun mali boyutu da ortaya çıkartılacak.
4-KAYNAK KONUSU: Mali boyut ortaya çıktıktan sonra bu paranın bütçeleştirilmesi ve kaynağının da sağlanması ile ilgili de çalışma yapılacak.
5-UYGULAMA BİÇİMİ: Düzenleme yapılırken uygulama ile ilgili detaylar da ortaya çıkartılacak. Yani hak sahiplerinin belirlenmesi, onların müracaat şekilleri, bu müracaatların değerlendirilmesi gibi bürokratik konular da ortaya konulacak.
6-TASLAK YAZILMASI: Bütün çalışmalar tamamlandıktan ve alternatifler arasından birisi seçildikten sonra taslak hazırlanarak Meclis'e sevk edilecek. Ardından da yasalaşma ve yönetmeliklerle uygulanma süreci başlayacak.