17.11.2025 11:33
Social Security Chief Advisor İsa Karakaş, who warned about the dates for receiving a high retirement pension, stated, "Retiring in 2025 is at least 3% more advantageous." Karakaş also mentioned, "A retiree in 2025 will receive 260,050 lira in severance pay for 10 years of work. If one retires in 2026, with a 30% increase in the minimum wage, it will be 338,060 lira. Therefore, there will be a difference of about 78,000 lira."
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With the announcement of the inflation rates for December, the 6-month raise rates for civil servants, SSK, and BAĞ-KUR retirees will also be determined. For those who have met the age and premium day requirements for retirement, the date on which the retirement application will be submitted is of great importance.
The Social Security Institution (SGK) processes the monthly payments for retired employees based on the insured person's declared earnings, the number of premium payment days, and the monthly pension rate throughout their working life. However, in years of high inflation, the date of the retirement application also affects the monthly payments of retirees.
"RETIRING IN 2025 WILL BE AT LEAST 3 PERCENT MORE ADVANTAGEOUS"
In statements regarding the issue, Social Security Chief Expert İsa Karakaş reminded that there was a difference of over 30 percent last year due to high inflation at the beginning of the year.
Evaluating the year-end inflation expectations of the Central Bank of the Republic of Turkey (TCMB), Karakaş stated, "The Central Bank predicts an inflation rate between 31 and 33 percent. In other words, by the end of 2025, it expects an annual inflation rate of at least 31 percent and at most 33 percent. When we calculate based on this data, we can say that retiring in 2025 will be at least 3 percent more advantageous. However, we can say that this rate will not reach 4 percent. In other words, it will be below 4 percent. In summary, we can say that those who retire in 2025 will generally have a retirement difference of between 3 and 4 percent compared to 2026, and thus will be more advantageous," he explained.
Karakaş expressed that this situation may vary depending on the working periods of the person who will retire, their work before 2000, their work between 2000 and 2008, and their work after 2008.
"THOSE RETIRING IN THE NEW YEAR WILL RECEIVE A HIGHER SEVERANCE PAY"
Pointing out that another important issue is severance pay, Karakaş noted that the retirement application submitted in the new year will affect the severance pay compared to the application submitted in 2025. Karakaş stated:
"When we consider TCMB data, the severance pay ceiling for high salaries is currently 53,919 lira. The ceiling is determined according to the civil servant salary coefficient. Therefore, it is expected that the civil servant salary coefficient will increase by at least 20 percent in 2026. In this sense, when we calculate, we can say that the severance pay ceiling will rise from 53,919 lira to 64,700 lira. Therefore, our citizens need to calculate accordingly. For example, a worker with 10 years of service will receive 539,200 lira in severance pay if they retire in 2025. However, if they retire in 2026, the severance pay will be 647,000 lira. Thus, there will be a difference of up to 107,800 lira for private sector workers retiring in 2025. Of course, we are speaking based on the example we provided. A private sector worker with 10 years of service, if their salary is high and exceeds the ceiling, will incur a severance pay loss of over 107,000 lira because they are retiring in 2025."
"THE RETIREE'S SEVERANCE PAY WILL INCREASE BY 78,000 LIRA"
Karakaş stated that there will also be a difference between the severance pay of workers earning minimum wage in 2025 and 2026, adding that severance pay increases when the minimum wage rises.
Reminding that severance pay is calculated based on the gross minimum wage, Karakaş said, "The minimum wage, which is currently 26,005 lira, is expected to increase by approximately 25 to 30 percent in January. In this sense, a retiree in 2025 will receive 260,050 lira in severance pay for 10 years of work. If they retire in 2026, with a 30 percent increase in the minimum wage, it will be 338,060 lira. Therefore, there will be a difference of about 78,000 lira," he shared.
"THE DIFFERENCE WILL CLOSE MORE EASILY COMPARED TO LAST YEAR"
Karakaş advised those who will retire to pay attention to the severance pay and the date of the retirement application, stating, "Those retiring in 2025 may be at least 3 to 4 percent more advantageous. However, while doing this, they need to consider the severance pay as well. Again, if the salaries they receive from their current workplaces are very high, they need to keep in mind that this difference will close very easily. Because there is a 2 percent increase in the monthly pension rate for each year worked. In this sense, we can say that the difference compared to last year will close much more easily," he said.
"PUBLIC SECTOR WORKERS WILL BENEFIT FROM THE SEVERANCE PAY INCREASE"
Karakaş stated that private sector workers who want to retire before the new year can submit their retirement applications until December 31, and noted that they will not be able to benefit from the severance pay increases that may occur in the new year.
However, he emphasized that public sector workers who receive their salaries on the 15th of the month can submit their retirement applications until January 14, and they will still be considered retirees in 2025 and will be able to benefit from the potential severance pay increase.
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