{"id":648,"date":"2017-01-05T01:35:32","date_gmt":"2017-01-04T22:35:32","guid":{"rendered":"http:\/\/bolayirdogancelik.com\/?p=648"},"modified":"2026-04-14T08:18:44","modified_gmt":"2026-04-14T08:18:44","slug":"zorunlu-bireysel-emeklilik-sistemi-ve-ozel-sektorde-calisanlarin-kapsama-alinmasi","status":"publish","type":"post","link":"https:\/\/bolayirdogancelik.com\/en\/zorunlu-bireysel-emeklilik-sistemi-ve-ozel-sektorde-calisanlarin-kapsama-alinmasi\/","title":{"rendered":"Zorunlu Bireysel Emeklilik Sistemi ve \u00d6zel Sekt\u00f6rde \u00c7al\u0131\u015fanlar\u0131n Kapsama Al\u0131nmas\u0131"},"content":{"rendered":"<p>\u00dclkemizde bireysel emeklilik sistemine otomatik yani bir di\u011fer ifadeyle zorunlu kat\u0131l\u0131m, 4632 say\u0131l\u0131 Bireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanunu\u2019na 6740 say\u0131l\u0131 Kanun ile eklenen Ek-2\u2019nci maddenin 01.01.2017 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmesi ile hayata ge\u00e7irilmi\u015ftir. Konuya ili\u015fkin \u00e7er\u00e7eve 2016\/26 say\u0131l\u0131 Ba\u015fbakanl\u0131k Genelgesi ile belirlenmi\u015f; sonras\u0131nda detaylar 2 Ocak 2017 tarihli Resm\u00ee Gazete\u2019de yay\u0131mlanan \u201c\u00c7al\u0131\u015fanlar\u0131n \u0130\u015fverenleri Arac\u0131l\u0131\u011f\u0131yla Otomatik Olarak Emeklilik Plan\u0131na Dahil Edilmesine \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Y\u00f6netmelik\u201d ile ortaya konmu\u015ftur. Sistem; \u00f6zet olarak \u00e7al\u0131\u015fanlar\u0131n i\u015fverenleri arac\u0131l\u0131\u011f\u0131yla otomatik olarak bir emeklilik plan\u0131na dahil edilmesi ve ilgili ki\u015filere istediklerinde plandan \u00e7\u0131kma imkan\u0131 verilmesi esas\u0131na dayanmaktad\u0131r.<\/p>\n<p>\u0130lgili mevzuatlar kapsam\u0131nda; 5510 say\u0131l\u0131 Sosyal Sigortala ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanun\u2019un 4. maddesinin birinci f\u0131kras\u0131n\u0131n a) ve c) bendine g\u00f6re istihdam edilenler, bir di\u011fer ifadeyle memur ve \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlardan 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olanlar i\u015fverenleri taraf\u0131ndan otomatik bireysel emeklilik sistemine dahil edilecektir. Yani, otomatik kat\u0131l\u0131m sistemine,<\/p>\n<ul>\n<li>T\u00fcrk vatanda\u015f\u0131 veya 29\/5\/2009 tarihli ve 5901 say\u0131l\u0131 T\u00fcrk Vatanda\u015fl\u0131\u011f\u0131 Kanununun 28 nci maddesi kapsam\u0131nda,<\/li>\n<li>45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f,<\/li>\n<li>31\/5\/2006 tarihli ve 5510 say\u0131l\u0131 Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanununun 4 \u00fcnc\u00fc maddesinin birinci f\u0131kras\u0131n\u0131n (a) ve (c) bentlerine g\u00f6re,<\/li>\n<\/ul>\n<p>\u00e7al\u0131\u015fanlar dahil olur.<\/p>\n<p>\u0130\u015fverenler,<\/p>\n<ul>\n<li>\u00c7al\u0131\u015fanlar\u0131 ad\u0131na, en az bir emeklilik \u015firketi ile s\u00f6zle\u015fme yapmakla,<\/li>\n<li>Sisteme giri\u015f esnas\u0131nda \u00e7al\u0131\u015fandan faizli\/faizsiz fon tercihini almakla, tercihte bulunmayan \u00e7al\u0131\u015fanlar\u0131 i\u00e7in s\u00f6z konusu tercihi yapmakla ve<\/li>\n<li>Katk\u0131 pay\u0131n\u0131 \u00e7al\u0131\u015fan\u0131n \u00fccretinden kesip emeklilik \u015firketine aktarmakla<\/li>\n<\/ul>\n<p>y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n<p>\u0130\u015fveren operasyonel gereklilikleri dikkate alarak, \u015firket se\u00e7imi ve katk\u0131 pay\u0131n\u0131n kesilmesi hari\u00e7 di\u011fer y\u00fck\u00fcml\u00fcl\u00fcklerinin icras\u0131n\u0131 emeklilik \u015firketine b\u0131rakabilir.<\/p>\n<p>\u0130\u015fverenler taraf\u0131ndan gerekli y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmemesi halinde \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan idari para cezas\u0131 uygulanacakt\u0131r. \u0130\u015fverenin otomatik kat\u0131l\u0131m sistemi kapsam\u0131ndaki y\u00fck\u00fcml\u00fcl\u00fcklerine uymamas\u0131 halinde, her bir ihlal i\u00e7in \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131\u2019nca 100,00 TL (Y\u00fcz T\u00fcrk Liras\u0131) idari para cezas\u0131 uygulan\u0131r.<\/p>\n<p>\u0130\u015fveren katk\u0131 pay\u0131n\u0131 emeklilik \u015firketine eksik, ge\u00e7 aktarmas\u0131 veya aktarmamas\u0131 durumunda, \u00e7al\u0131\u015fan\u0131n birikiminde olu\u015fan parasal kayb\u0131ndan sorumludur.<\/p>\n<p>\u0130\u015fverenlerin yukar\u0131da bahsedilen y\u00fck\u00fcml\u00fcl\u00fckleri yerine getirmesi i\u00e7in \u00e7al\u0131\u015fan say\u0131lar\u0131na g\u00f6re farkl\u0131 tarihler \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr. Buna g\u00f6re;<\/p>\n<ul>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 1.000 ve \u00fczerinde olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.01.2017 tarihinden itibaren,<\/li>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 250 &#8211; 999 aras\u0131nda olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.04.2017 tarihinden itibaren,<\/li>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 100 &#8211; 249 aras\u0131nda olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.07.2017 tarihinden itibaren,<\/li>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 50-99 aras\u0131nda olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.01.2018 tarihinden itibaren,<\/li>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 10-49 aras\u0131nda olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.07.2018 tarihinden itibaren,<\/li>\n<li>\u00c7al\u0131\u015fan say\u0131s\u0131 5-9 aras\u0131nda olan bir i\u015fverene ba\u011fl\u0131 olarak \u00f6zel sekt\u00f6rde \u00e7al\u0131\u015fanlar 01.01.2019 tarihinden itibaren,<\/li>\n<\/ul>\n<p>i\u015fverenleri arac\u0131l\u0131\u011f\u0131yla bireysel emeklilik sistemine otomatik olarak dahil edileceklerdir. \u00c7al\u0131\u015fan say\u0131s\u0131n\u0131n belirlenmesinde, i\u015f g\u00fcvencesi h\u00fck\u00fcmlerinde oldu\u011fu gibi birden fazla i\u015fyeri bulunan i\u015fverenlerin t\u00fcm i\u015fyerlerinde \u00e7al\u0131\u015fanlar\u0131n toplam\u0131 g\u00f6z \u00f6n\u00fcnde bulundurulacakt\u0131r.<\/p>\n<p>\u0130\u015fveren taraf\u0131ndan \u00e7al\u0131\u015fan\u0131n \u00fccretinden kesilecek katk\u0131 pay\u0131 \u00e7al\u0131\u015fan\u0131n prime esas kazanc\u0131n\u0131n veya emeklilik kesene\u011fine esas ayl\u0131\u011f\u0131n\u0131n %3&#8217;\u00fcne kar\u015f\u0131l\u0131k gelen tutard\u0131r. Bu tutar hesaplan\u0131rken virg\u00fclden sonraki k\u0131s\u0131m dikkate al\u0131nmayacakt\u0131r. \u00c7al\u0131\u015fan bu tutardan daha y\u00fcksek \u00f6deme yapmak isterse \u0130\u015fveren\u2019i bilgilendirmelidir.<\/p>\n<p>Mevcutta bireysel emeklilik sistemine dahil olan ve yukar\u0131daki \u015fartlar\u0131 sa\u011flayan \u00e7al\u0131\u015fanlar da otomatik olarak bahse konu sisteme girecektir. \u0130steyenler iki BES hesab\u0131n\u0131 bir arada devam ettirebilecek olup dilerse emeklilik plan\u0131na dahil oldu\u011funun kendisine bildirildi\u011fi tarihi m\u00fcteakip 2 ay i\u00e7inde s\u00f6zle\u015fmeden cayabilecektir. Cayma halinde, \u00f6denen katk\u0131 paylar\u0131, varsa hesab\u0131nda bulunan yat\u0131r\u0131m gelirleri ile birlikte 10 i\u015f g\u00fcn\u00fc i\u00e7inde \u00e7al\u0131\u015fana iade edilecektir.<\/p>\n<p>Sistemde en az 10 y\u0131l bulunan ve 56 ya\u015f\u0131n\u0131 tamamlayan \u00e7al\u0131\u015fanlar emeklilik hakk\u0131 kazan\u0131r. Emeklilik hakk\u0131n\u0131 kullanarak sistemden ayr\u0131lan \u00e7al\u0131\u015fanlar, a\u015fa\u011f\u0131daki te\u015fviklerden tamamen faydalan\u0131r:<\/p>\n<p>1.D\u00fczenli olarak hesab\u0131na \u00f6denen %25 oran\u0131ndaki devlet katk\u0131s\u0131<\/p>\n<p>2.1.000 TL tutar\u0131ndaki sisteme giri\u015f esnas\u0131nda verilen devlet katk\u0131s\u0131<\/p>\n<p>\u00c7al\u0131\u015fan birikimini 3 y\u00f6ntemle alabilir:<\/p>\n<p>1.Toplu Para<\/p>\n<p>2.Programlanm\u0131\u015f Geri \u00d6deme: Kendi belirleyece\u011fi tutarda emekli maa\u015f\u0131 \u015feklinde al\u0131r ve paras\u0131n\u0131n tamam\u0131 sonlan\u0131ncaya kadar devam eder.<\/p>\n<p>3.Y\u0131ll\u0131k Gelir Sigortas\u0131: \u00d6m\u00fcr boyu emekli maa\u015f\u0131 \u015feklinde al\u0131r. Bu tercihi kullanan \u00e7al\u0131\u015fan\u0131n ek olarak verilen birikiminin %5 kadar daha devlet katk\u0131s\u0131 te\u015fvikinden faydalanabilir.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00dclkemizde bireysel emeklilik sistemine otomatik yani bir di\u011fer ifadeyle zorunlu kat\u0131l\u0131m, 4632 say\u0131l\u0131 Bireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanunu\u2019na 6740 say\u0131l\u0131 Kanun ile eklenen Ek-2\u2019nci maddenin 01.01.2017 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmesi ile hayata ge\u00e7irilmi\u015ftir. Konuya ili\u015fkin \u00e7er\u00e7eve 2016\/26 say\u0131l\u0131 Ba\u015fbakanl\u0131k Genelgesi ile belirlenmi\u015f; sonras\u0131nda detaylar 2 Ocak 2017 tarihli Resm\u00ee Gazete\u2019de yay\u0131mlanan \u201c\u00c7al\u0131\u015fanlar\u0131n \u0130\u015fverenleri Arac\u0131l\u0131\u011f\u0131yla&hellip;&nbsp;<a href=\"https:\/\/bolayirdogancelik.com\/en\/zorunlu-bireysel-emeklilik-sistemi-ve-ozel-sektorde-calisanlarin-kapsama-alinmasi\/\" rel=\"bookmark\"><span class=\"screen-reader-text\">Zorunlu Bireysel Emeklilik Sistemi ve \u00d6zel Sekt\u00f6rde \u00c7al\u0131\u015fanlar\u0131n Kapsama Al\u0131nmas\u0131<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":2238,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[25,26],"tags":[20,21,22,23,24,27,28],"class_list":["post-648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-is-ve-sosyal-guvenlik-hukuku","category-sirketler-hukuku","tag-20","tag-bes","tag-bes-2017","tag-bireysel-emeklilik-2017","tag-bireysel-emeklilik-sistemi","tag-yeni-bes","tag-zorunlu-bes"],"_links":{"self":[{"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/posts\/648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/comments?post=648"}],"version-history":[{"count":1,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/posts\/648\/revisions"}],"predecessor-version":[{"id":2182,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/posts\/648\/revisions\/2182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/media\/2238"}],"wp:attachment":[{"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/media?parent=648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/categories?post=648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bolayirdogancelik.com\/en\/wp-json\/wp\/v2\/tags?post=648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}