08.05.2025 14:22
In the social security system, it is possible to obtain retirement rights without actually working in any job due to certain exceptional circumstances. This situation usually occurs under voluntary insurance or specific social assistance programs. So, who can benefit from this opportunity and what conditions are required? Details are in our news...
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The Social Security Institution (SGK) has announced the conditions for retirement without working, which citizens have been eagerly awaiting. This new regulation will be an important turning point for citizens planning for retirement. In the information provided on SGK's official website, the conditions for retiring without working are explained in detail.
RETIREMENT WITHOUT WORKING IS POSSIBLE
Thanks to certain exceptional situations in the social security system, it is possible to obtain retirement rights without actually working in any job. This situation generally occurs under voluntary insurance or certain social assistance programs.
WHO CAN BE VOLUNTARILY INSURED?
According to the official statement of the Social Security Institution (SGK), citizens wishing to be voluntarily insured must meet the following conditions:
- Must be at least 18 years old,
- Must not be working under SSK or Bağ-Kur,
- Even if working as an insured, must be working less than 30 days a month,
- Must not be receiving disability or old-age pensions.
Those who meet these conditions can be voluntarily insured under SGK.
HOW TO APPLY?
Those wishing to be voluntarily insured for the first time can apply online through e-Government. Alternatively, it is also possible to apply in person at the social security provincial directorate or center in their area with the "Voluntary Insurance Entry Notification".
REQUIRED PREMIUM DAYS FOR RETIREMENT: 9,000
Since voluntary insurance is evaluated under the 4B (Bağ-Kur) status, those who want to retire from the system must complete 9,000 premium days (approximately 25 years). Individuals who regularly make premium payments during this period can qualify for retirement when they also meet the legal age requirement.
HOW MUCH ARE THE PREMIUM PAYMENTS?
Voluntary insured individuals are free to determine the amount of premium they will pay. However, the premium amount is calculated based on the income limits subject to premiums. According to SGK, the rates determined for the year 2025 are as follows:
- Monthly minimum premium amount: 8,321.76 TL
- Monthly maximum premium amount: 62,413 TL
Premiums are calculated at a rate of 32% of the income declared by the insured. Therefore, those who pay lower premiums receive lower retirement pensions, while those who pay higher premiums receive higher pensions.
WHEN CAN ONE RETIRE?
Since voluntary insurance is evaluated under Bağ-Kur, the retirement age is also determined according to this status. According to the regulations, citizens who complete their premium days are entitled to retire at the age of 60 and can start receiving retirement pensions from this age.
In short, it is possible to participate in the social security system and gain retirement rights without being tied to any employer. However, this requires discipline in premium payments for certain periods, meeting the age requirement, and compliance with the criteria set by SGK. This system stands out as an important alternative, especially for self-employed individuals, housewives, and citizens living abroad.
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