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Esnafa erken emeklilik formülü Milyonlarca Bağ-Kurlunun merakla beklediği prim indirimi yeniden gündemde. Yasal düzenlemenin TBMM’ye gelmesi bekleniyor. Peki nasıl uygulanır, kimler yararlanır... İşte soruların cevapları... takvim.com.tr Kaynak GAZETE Giriş Tarihi : 28 Eylül 2024
2 008 yılında yapılan reform ile tüm kurumlar (SSK; Bağ-Kur ve Emekli Sandığı) Sosyal Güvenlik Kurumu (SGK) çatısı altında birleştirildi. Özellikle Bağ-Kur ve Emekli Sandığı'nda prim şartı 9 bin gün (25 yıl) olarak uygulanmaya devam ederken SSK'da EYT kapsamında 5000-5975 gün sonrasında ise 7 bin gün olarak uygulanıyor. TBMM'ye düzenlemenin gelmesi beklenirken kafalarda da uygulama ile ilgili bir çok soru var. İşte soruların cevapları...
■ Prim şartları nasıl belirleniyor? SSK'da 1999 öncesi için prim şartı 5000 ile 5975 gün arasında değişirken bu tarihten sonra 7 bin güne 2008'den sonra ise kadın erkek tüm çalışanlarda 7.200 güne çıkıyor. Emekli Sandığı'nda ise kadınlar 7200 gün (20 yıl) erkekler ise 9 bin gün (25 yıl) prim ödüyor. Bağ-Kurlular için ise prim şartları 1999 öncesinde kadınlarda 7200 gün erkeklerde 9 bin gün, sonrasında ise hem kadın hem erkeklerde 9 bin gün olarak uygulanıyor.
■ Farklı primler nasıl belirleniyor? Üç kurumdan ayrı ayrı çalışması olanlar için hangi kurumdan emekli olacağı son 7 yıllık sigortalılık süresine bakılarak belirleniyor. Son 7 yıllık sigortalılık süresinde hangi kurum daha fazla ise yani 3.5 yıl (1261 gün) nereden prim yatırılmış ise o kurumun şartlarında emeklilik işlemi yapılıyor. ■ Gündemdeki değişiklik nasıl olacak? İlk etapta 1 milyon küçük esnafı ve çiftçiyi ilgilendiren uygulamada Bağ- Kur'luların prim şartı 9 bin günden 7200 güne inecek. Eğer kapsam geniş tutulur ve 8 Eylül 1999 öncesini de kapsarsa EYT'li Bağ- Kur'lular da 9 bin günü beklemeden 7200 günle emekli olabilecek. ■ İhya ile tamamlanabilecek mi? Daha önce Bağ-Kur'lu olarak çalışmış ancak borcunu ödemediği için primleri dondurulmuş ve borcu silinmiş olanlar eğer eksik günleri varsa ihya yolu ile bu dondurulan primleri satın alabilecek. İhya ödemeleri son brüt asgari ücret üzerinden ve günlerin tamamını almak şeklinde uygulanıyor. ■ Kimler yararlanacak? Düzenleme ilk etapta basit usulde vergilendirilen, bakkal, kasap,. Terzi, berber gibi 10 kişi ve altında işçi çalıştıran küçük esnafın yararlanacağı şeklinde açıklanmıştı. Bunlara çiftçi Bağ-Kur'u olanlar da katılacak. Ancak kapsam düzenleme hazırlandıktan sonra kesinleşecek. ■ Erken emeklilik olacak mı? Yapılacak 1800 günlük indirim ile Bağ- Kurlular 7200 gün ile emekli olabilecek. Tabii yine kadınlarda 58 erkeklerde 60 olan yaş şartının da tamamlanması gerekecek. Dolayısıyla yaş şartını tamamlamış bir Bağ-Kur'lu 5 yıl daha beklemeden ve 5 yıl fazla prim ödemeden erken emekli olabilecek. ■ Prim şartları nasıl belirleniyor? SSK'da 1999 öncesi için prim şartı 5000 ile 5975 gün arasında değişirken bu tarihten sonra 7 bin güne 2008'den sonra ise kadın erkek tüm çalışanlarda 7.200 güne çıkıyor. Emekli Sandığı'nda ise kadınlar 7200 gün (20 yıl) erkekler ise 9 bin gün (25 yıl) prim ödüyor. Bağ-Kurlular için ise prim şartları 1999 öncesinde kadınlarda 7200 gün erkeklerde 9 bin gün, sonrasında ise hem kadın hem erkeklerde 9 bin gün olarak uygulanıyor.
■ Yaş şartı ortadan kalkacak mı? 7200 prim gününü tamamlayanlar sigortalılık başlangıç tarihine göre belirlenen yaşı sağlıyorsa emekli olabilecek. Ancak primi dolsa da yaşı beklemek gerekecek. 01.05.2008 sonrası sigortalılığı başlayanlar için ise yine 9 bin gün şartı ve kadınlarda 58 erkeklerde 60 yaş ile başlayan ve 65'e kadar kademeli olarak artan emeklilik yaşının tamamlanması gerekiyor. ■ EYT'liler yararlanabilecek mi? Yasanın kapsamı henüz net değil. Ancak kapsam belli olduktan sonra hak sahibi Bağ-Kur'luların ilk sigortalı oldukları tarih 8 Eylül 1999 öncesinde ise, yani EYT'liler ise 9 bin günü beklemeden 7.200 günle emekli olacaklar. Böylece yaş şartı olmadan 5 yıl erken emekli olmuş olacaklar.