CAN I GET THE PREMIUM PAID BY SSI?
I have been working in two different companies since May 2017. My insurance premiums are paid by both companies. My retirement date is 2032. Does paying insurance premiums from two different companies benefit the pension? How many benefits, if any. (Harun P.)
Premiums paid separately by establishments for employees in 4/1-a status dependent on more than one employer are considered as the premium for that month. Even if the premium is paid over 30 days from both locations, the premium is deemed to have been paid for 30 days in that month. If a bonus is paid greater than 10,000 TL per month from one company and 5,004 TL (minimum wage) from the second company, the total income for that month is recorded as 15,004 TL.
One of the important factors affecting the pension is the amount of earnings subject to the bonus. The higher the basic salary amount of the contribution, the higher the pension will be. For example, if the average monthly salary subject to bonus is declared as 5004 TL for a person retiring after 25 years of service, 2500 TL is paid as a pension, while the person whose monthly income is 15,000 TL is 7500 TL per month. .
The amount of the monthly bonus is between the gross minimum wage and 7.5 times. For 2022, the lower limit of earnings subject to bounty is 5004 TL per month and the upper limit is 37,530 TL per month. Social security contributions and unemployment insurance contributions deposited on behalf of the worker are returned in that month for the sum of earnings deposited by two or more employers in excess of the earnings ceiling subject to monthly contributions.
For example, for a worker who receives 25,000 TL from one employer and 30,000 TL from a second employer in April, a bonus of 55,000 TL is paid on earnings. In such a case, the calculation of the yield is done as follows:
The part exceeding TL 37,530 is calculated from the total monthly income declared subject to premium. The amount of winnings exceeding the cap of the person in our example is 17,000,470 TL. 15 percent of the worker’s share of the insurance premium and the unemployment insurance premium corresponding to this amount are calculated. It is 2620.5 TL. If the person in question applies to SGK, they will receive a premium refund of 2620.5 TL. No refund will be granted to those who do not request it. No interest is charged on refunded premiums. For this reason, the request for reimbursement must be made in the month in which the premium is paid.
Social security contributions and unemployment insurance contributions deposited on behalf of the employee are refunded for amounts exceeding the monthly ceiling for basic contribution earnings. Premiums paid on behalf of the employer are non-refundable under any circumstances.
For example, a worker whose income of 25,000 TL by employer A and 20,000 TL by employer B was declared to the SGK in May this year can recover the worker’s premiums corresponding to a part of 18,000 168.75 TL of the total income of 45,000 TL, which exceeds the SPEK cap. This is 15% of the income above the limit. The worker in our example receives 2,000,725.31 TL as a return bonus.
It is possible to request a return from any provincial directorate or central social security directorate to which the establishments are affiliated. If the workplaces are in different provinces, the return process is carried out after correspondence between the provincial directorates.
Many questions come from readers regarding premium refunds for those whose premium days are insufficient for retirement. In law, this process is called “bulk payment”. For premiums to be paid in this way, the premium days must be insufficient even if the age condition is met. In other words, people who cannot retire due to an insufficient number of premium days can request a lump sum payment from SGK after fulfilling the age requirement. Bulk payment is only made for premiums paid on behalf of the worker. Premiums paid on behalf of the employer are non-refundable.
WHICH STATUS IS SUBJECT TO THE CREATION OF A COMPANY WHILE WORKING WITH SSK?
My insurance plan dates from July 1998, I come from EYT. My paid premium day is 7350. If the government decides, I have a chance to retire in July 2023 when the working period expires. Currently, I continue to work in a company with insurance, and in parallel, I started a sole proprietorship in November 2021. Will this prevent me from retiring from SSK? As you know, it has 9000 days of BAĞ-KUR conditions. (Gokhan A.)
As soon as you join the insurance, you are subject to 5,900 days of premium and 57 years of retirement age in status 4/1-a (SSK). Although there is an expectation for the legal regulation regarding the retirement age (AET) before the elections, there are no plans yet. Various alternatives are mentioned. However, there are no clear regulations.
As long as the insured continues to work, the insurance of those who establish a sole proprietorship in his name continues in the 4/1-a status. As soon as the insured ceases to work, his obligation to pay the premiums arises from the status of 4/1-b.
As long as you continue to work with SSK, having your own business does not remove your right to an SSK pension. If your employment with SSK ends and your obligation automatically begins in 4/1-b status, you will continue to withdraw from SSK as long as it does not exceed 1260 days. If you exceed 1260 days by one day, you must be subject to BAĞ-KUR and fulfill its conditions.
CAN I WITHDRAW FROM THE PENSIONERS FUND FOR THOSE EXPORTED BY LAW AND COMPLETE THE MISSING DAY LATER?
I am a 1997 SSK entry. I started my career as a police officer in 2001. I was suspended in July 2016 and deported by Executive Order No. 679. I started work in 2021 as an insured. My bonus days total is 7712. 280 days after 2021. Can I retire from public service when my bonus payment ends after about 6 months? (Hudayi O.)
If your insurance start date is before 23 May 1997, you are subject to age 56 with 5825 premium days, and age 57 with 5900 premium days after this date.
To be able to retire from the Pension Fund, you must complete 9,000 premium days. Your length of service as of the date you left the public service appears to be 7432 days. For those who have worked in more than one status, it is checked in which status they have worked the most during the last 7 years of service. You cannot withdraw from the Pension Fund because there are more than 1500n days left to complete the 9000 days from the date of your departure from the civil service.
To be able to retire from SSK, you must have 1261 premium days in 4/1-a status after public service. Even if you are of age, you cannot retire from SSK until you have completed your 4/1-a work period at 1261 days. According to the documents you sent, it does not seem possible to obtain a pension from SSK after 6 months.
PEOPLE LEAVING THE OFFICE AFTER RECEIVING A RETIREMENT BONUS?
I started working as an agent of the Pension Fund on 28.28.1978, I left on 15.11.1990. I retired in 1999 switching to optional insurance and paying the higher.
I did not receive my retirement bonus for the time I worked in the state. Will the new regulations allow me to receive my old bonus? (Cigdem B.)
In the event of retirement by accumulation of services, the retirement bonus was not paid previously. Following the proceedings against the Social Security Institution, the board of directors of SGK decided to pay the retirement bonuses. However, this decision covers those whose period of employment in the public sector has completed 20 years for women and 25 years for men, although the service has been consolidated. You cannot receive a pension because you have worked in the public sector for less than 20 years.