Social Security legislation grants partial retirement at a lower age, but at a higher age, for those whose premium days are not sufficient for normal retirement. The conditions for partial retirement vary according to the date of entry into service and the activity status of the insured.
CAN ANYONE RETIRE WITH 3600 DAYS PREMIUM?
Business writer Ahmet Kıvanç answered questions about working life and social security
My mother started insurance with BAĞ-KUR agriculture in 2014. He then optionally pays his premiums. There are no more gaps since 2014. Can he retire at 65 if we complete 3600 days of premium and don’t pay later? (Ahmed P.)
“Partial retirement”, commonly referred to as retirement with 3600 bonus days (to complete ten full years), is a right granted to those whose bonuses are not sufficient for a normal retirement to retire with fewer bonus days but at a later age. The partial retirement requirement varies based on date of employment as insured and insurance status.
People with SSK who started working as an insured person before September 8, 1999 can partially retire with 3600 premium days at age 58 if female and age 60 if female. a man. BAĞ-KUR members, who started working during the same period, can receive a partial retirement pension at the age of 56 for women and 58 for men, with 5400 bonus days.
SSK employees, who first started working with insurance between September 9, 1999 and April 30, 2008, can retire at age 58 if female and 60 if male , completing at least 25 years of insurance and 4500 days of premium. On the other hand, BAĞ-KUR members who started working during this period are retired at the age of 60 for women and 62 for men, on condition that they accomplish 5400 days of premium without asking for insurance.
Employees 4/1-a (SSK), 4/1-b (BAĞ-KUR) and 4/1-c (Pension Fund) who started working after April 30, 2008 are 3 years older than the normal retirement age on the date they complete 5400 days of premium. They can have a partial pension while being paid. Employees of all statuses who started working during this period will retire at age 61 for women and age 63 for men, if they have completed 5,400 bonus days by December 31, 2035.
Persons covered by agricultural BAĞ-KUR and optional insurance are also subject to BAĞ-KUR status. Since your mother first started working with the insurance in 2014, if she completes 5400 premium days until December 31, 2035, she will start a pension at age 61. For this, he must pay premiums without interruption until 2029.
CAN BAG-KUR AGRICULTURE RETREAT WITH 3600 DAYS?
First of all, thank you for your support. My wife was born in October 1974 and entered SSK on 06.01.1995. There are 117 days of SSK bounty between 1995 and 1998.
We have a child born in February 1999.
Between December 2012 and January 2022, there are 3529 days of BAĞ-KUR agricultural premium. We arrested Tarım BAĞ-KUR. The currently paid premium days total 3646 days.
In this situation:
1- I think my wife can retire at the age of 58 with 3600 days, but my question is to retire from SSK or BAĞ-KUR?
2-Can I receive both a widow’s pension and a pension due to my own insurance, in the event of death (I am an SSK pensioner) before or after the payment of the pension?
3- If you say that you cannot receive both salaries, what must be done to receive both salaries in full?
4- What difference will there be approximately in the pensions paid from 3600 days or from 5825 days? So is it worth paying a premium for 2800 more days?
5-If he does not want to wait for the payment of the pension, can he recover the premiums paid, when can he recover them? (Anonymous)
I will try to answer in order.
1- Since all the contributions of your spouse for the last 2520 days are paid as an agricultural BAĞ-KUR, he cannot benefit from the right to partial retirement at 3600 days. Provided the premium day is completed at 5400, he can receive a partial pension at age 56. In order to be able to retire from SSK, he/she must work as an insured for 1.5 years and must also pay a maternity debt. When he fulfills these conditions, he can retire from the SSK at the age of 58. In this case, it would be better for your spouse to continue paying BAĞ-KUR premiums and complete 5400 days.
2- May Allah grant him subsistence, in the event of your death, your spouse will receive 50% of the salary paid to you. If there is no monthly zone other than your spouse, the monthly rate connected to you is increased to 75%. If your spouse receives a pension under his own insurance, he will receive the full pension and 50% of the widow’s pension.
3-The retirement pension is determined according to the number of premium days. As a result, more monthly premiums are paid to those with higher premium days. However, in an environment of high inflation such as the one we are currently experiencing, the gap between 3,600 days and 5,825 days of worker’s pension is narrowing day by day, as the need to continually increase the minimum pension has imposed. Since your spouse must already complete 5400 days, there will be no difference in his salary.
4- If your spouse is not enough to retire on the day of the bonus when he reaches the age of 56, he can request a lump sum payment. He can only collect 20 points from the premiums paid in the wholesale payment, that is to say the premiums paid under the invalidity, old age, survivors’ insurance. They cannot receive premiums deducted for General Health Insurance (GSS). Although premiums are paid by calculating the discount coefficient, just like when paying a pension, it turns into a bird, so to speak, when paying in bulk. I wish there was no need to ask for bulk payment.
DO SSK EMPLOYEES LOSE THEIR RIGHT TO A PENSION PENSION?
I was expelled from my establishment on September 1, 2021, by decision of the MSB. My legal proceedings are still ongoing. In this process, I have to work continuously for 12 months for my wife to work as a teacher in the public sector and to ensure family integrity. If I work on an insured day and in any job, will there be any problems with my pension entitlement from the Pension Fund? When can I finally retire, what should I do? (WHITE)
According to the documents you submitted, you have fulfilled the premium day condition required for retirement with your periods subject to amortization. Your retirement date is brought forward by your normal retirement age of 57 years by the time calculated by amortization. You can retire from the Pension Fund if your period of non-public employment does not exceed 3.5 years (1260 days). As you have completed 25 years in the public service with attrition, you will also receive the retirement bonus on the date of your retirement.
CAN ANYONE WHO TAKES A MILITARY DEPOSIT TAKE EARLY RETIREMENT?
My date of birth is 02.04.1974. I started my first insurance contract on February 6, 2002. I did my short-term military service between November 21, 1999 and July 12, 2000. My normal retirement date seems to be 2032. My retirement age will it be removed if i owe my period of military service? (Harun P.)
The insurance start date of those who did their military service before the insured started working is removed until the period of their military service debt. Withdrawing the effective date of insurance may, in certain cases, bring forward the retirement age.
When you incur eight months of military debt, your insurance start date will be pushed back 8 months from February 6, 2002 to June 6, 2001. However, your retirement age does not change, as the retirement age pension for men who started working between September 8, 1999 and April 30, 2008 is set at 60 years. In this case, if you don’t have a premium day deficit, you don’t have to borrow. If you don’t have the premium days required for retirement, you can borrow from the military to make up the missing days.
CAN AN EMPLOYEE CONTINUE A SECOND PENSION AFTER RETIREMENT?
Can a manager who retired from the Pension Fund at the age of 53 get a second pension if he works again at a workplace after retirement and pays his insurance up to the age of 65? (Sabahattin A.)
If pensioners of Pension Fund, SSK or BAĞ-KUR continue to work in 4/1-a status without reducing their pension, 32% of their gross salary will be deducted from the security assistance bonus social. The premium thus paid has no contribution to the pension. The social security support premium is not deducted for those who start a business in their own name and continue to work in 4/1-b status.
Normal premium deductions are made for those working in 4/1-a status by cutting off their superannuation. When these people leave their job and apply for a new pension, the pension is recalculated taking into account the subsequent work and is paid on the current amount. That is, a second pension is not granted, but the existing pension is increased.