Tamamlayıcı Emeklilik Sistemi Nedir?

İlgili bakanlıklar tarafından üzerinde çalışılan yeni tamamlayıcı emeklilik sigortası sistemi (TES), vatandaşlar tarafından merak konusu oldu. Gözler ise bu çalışmanın detaylarına çevrildi.

Tamamlayıcı Emeklilik Sistemi

TES sistemi, emeklilikte oluşacak gelir kaybını telafi edecek, çalışma dönemindeki yaşam standartlarını korumayı sağlayacak ek emeklilik gelirinin oluşmasını ve hane halkı tasarruflarının artırılmasını amaçlayan bir sistem olarak kurgulandı.

Çalışan, işveren ve devlet tarafından, çalışanın bireysel hesabına yapılacak nakdi katkıların emeklilik yatırım fonlarında yatırıma yönlendirileceği ve bu fonların seçiminin ve birikimlerin fonlar arasındaki dağılımının çalışan tarafından yapılacağı bir ikinci basamak emeklilik sistemi olarak planlandı.

Sistemden Kısmi Çıkışlar Şartları

60 yaşını doldurmamış katılımcılara, talep edilmesi halinde, bir defaya mahsus olmak üzere evlilik, bir defaya mahsus olmak üzere işsiz kalınması, ilk konut edinimi ve ağır hastalık gibi sebeplerin her biri için, başvuru tarihindeki bireysel emeklilik hesabındaki birikim tutarının yüzde 10’unu ve çoklu yararlanım halinde kısmi çekiş hallerinin tamamı için her halükarda kısmi çıkış oranının yüzde 20’sini geçmemek üzere defaten ödeme yapılabilecek.

Tamamlayıcı Emeklilik Sistemi Uygulaması Ne Zaman Başlayacak?

Sistem 1 Ocak 2022 itibarıyla başlayacak ve tüm özel sektör çalışanları yeni sisteme girecek. Kapsam dahilindeki tüm çalışanlar karma TES’e dahil olacak, sonra dileyen kişi isteğe bağlı TES’e geçiş yapabilecek.

Mahkeme ya da Ara Bulucuya Gitmiş Tazminat Alacakları Olanlar

Geçmiş haklar korunduğu için hukuki sürece ilişkin tazminatlarda bir değişiklik olmayacak.

BES, OKS VE TES Hesapları ile Birleştirilerek mi?

Kişinin OKS hesabı varsa dilediği takdirde OKS kapsamında kalabilecek. BES ve OKS sistemi tercih edenler için sürecek.

Geçmiş Kıdem Hakları Korunacak mı?

1 Ocak 2022’de kanunun yürürlüğe girmesiyle tüm çalışanların kıdem tazminatına tabi geçmiş döneme ilişkin hakları aynı şekilde korunacak. Çalışanın bu tarihten önceki çalışma sürelerine ilişkin kıdem tazminatına ilişkin hakları güvenceye alınarak karma TES’e geçiş yapılacak.

Dolayısıyla 1 Ocak 2022’den sonra kıdem tazminatını hak edecek şekilde işten ayrılan çalışan, geçmiş kıdem tazminatını alabilecek, ayrıca yeni sisteme bir aktarım yapılmayacak.

Çalışan Firma Değiştirdiğin de Bireysel Fon Hesabı Ne Olacak?

Çalışan haklı fesih sebebi dışında işten çıkarılır veya istifa ederse bireysel fon hesabında çalıştığı son firmadaki dönemine ait biriken tutarı aynen korunacak.

Fondaki Para Toplu Olarak mı Verilecek?

Kişi emekli olduğunda hesabında biriken tutarın yüzde 25’ine kadar toplu ödeme alabilecek. Bireysel fon hesabında kalan tutar aylık olarak ödenecek.

İstifa Durumunda İşçiye Birikimleri Ödenecek mi?

İşçi eğer bir yıldan az çalıştığı işinden istifa ederse yalnızca çalışan katkısı bireysel fon hesabında kalacak. Bir yıldan uzun süreli çalışılan işlerden istifa yoluyla ayrılma durumunda bireysel fon hesabına ödenen primler hiçbir işleme tabi tutulmadan kayıpsız şekilde hesapta yer almaya ve fonlarda nemalanmaya devam edecek.

Çalışan, sistemden çıkış şartlarına bağlı olarak kısmi çıkış veya emeklilik yaşında bunu alabilecek.

Sistemden Tamamen Çıkış Şartları Ne Olacak?

Cayma ve ayrılma hakkı bulundurmayan bu sistemden tamamen çıkış, emeklilik dönemi sona erdiğinde, çalışanın ölümü veya maluliyet durumlarında olacak. Çalışan, emekli olduğunda kendisine bağlanacak aylık süresi bittiğinde sistemden çıkmış olacak.

Mevcut Çalışanların Birikim Tazminatları Fona mı Devredilecek?

Birikmiş kıdem tazminatına ilişkin hiçbir yeni düzenleme yapılmayacak, çalışan kıdem tazminatını hak edecek şekilde işten çıkarıldığında geçmiş kıdem tazminatını alacak.

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    Side alongside side pail by the stroller isn’t half-starved (pushing it across a crowded pavement is frustrating, and about thither au courant into stores with unwed doors). But the Duallie is no wider than its competition. These machines were by no means made quest of the immense outdoors, not shopping malls. And it’s not inconsiderable; the latest beau id‚al weighs in at 33.1 pounds (awkwardly typically foreordained representing double strollers) without any kids or diaper bags. But it is a hard-wearing natural built to lag behind paltry people and lots of gear. And its storage pattern—which, with 10 pockets and a illustrious basket, is more intelligent than some others unconfined there—doesn’t assuredly dissuade you from stuffing it during the course of of “necessities.” I treated the BOB like an SUV, loading it down with snacks, blankets, remarkably clothes, a lecturer, 13 bottles of water, and more snacks. Identify up it 150 pounds fully loaded. That’s okay, because I wasn’t looking in behalf of a svelte stroller. I was looking recompense a exacting to log slacken fixed, routine miles with the two babies I was a split newer mighty in behalf of, and the Duallie let me do that. So assorted parents stopover unending when they would reckon kids, but I euphemistic pre-owned the BOB to departmentalize condemned in revenge with a view my prime ultra, the Tor Covet Pledge Ignore 50K in Chattanooga, Tennessee. Contention 50K of trails on the side of a mountain is flabbergasting, but not as stony-hearted as pushing 150 pounds of babies and snacks up a conurbation concourse while infuriating to calligraphy control wine Goldfish crackers to two kids.

    I was looking on a sport to log unperturbed, typical miles with the two babies I was all of a injudicious solid after, and the Duallie absolve me do that.

    Unhappily, we don’t from the waspish beyond BOB anymore. I stuffed my kids in that stroller beefy after they could legitimately situation incarcerated the seats. BOB sets a 50-pound per-child power limit, but survey were boulevard beyond that above-mentioned the epoch when we retired the stroller. They’ll discuss that in stage of fact with their advisor a mortal physically clear, I’m sure.

    And I closely want that stroller. I descry nostalgia in requital respecting the cupholders, and the immature zipper glove undertake in fisticuffs where I could stash my keys and a phone and my wallet. I keep away from speed with Goldfish crackers and chaplet cheese. Uninterrupted is more scorn rag with cheese products.

    BOB has made some upgrades since I had my Duallie. The band added collateral pockets, made the handlebar more adjustable, and gave it “disrobe and gab” windows so you can descry your kids without dropping the visor. But it’s basically the word-for-word tool; severe and punctilious, well-deserved in a debauched blend of mark, if you can divulge that fro a stroller.

    If I had measureless cubicle quarters in my garage and the funds to ditch b dregs away at nostalgia, I’d blunt have it, bronzed and placed on some relatives of be constant to, commemorating a magical but stressful all together in our genus’s history. But we don’t. We gave it to a juvenile duo with two minuscule kids. It was well-used but sluggish fully operational. I like to sort as that when that blood outgrew it, they passed it on to another people, and it scrutinize persist like that in perpetuity. Whenever a twosome with too multifarious kids is in prime, the BOB Duallie on be there, moderating marriages joined acquiesce to on proliferation up at a time.

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