Zorunlu Bireysel Emeklilik Sistemi\u2019ne (BES) kat\u0131l\u0131m, 1 Ocak 2017 tarihi itibariyle ba\u015flad\u0131. Ba\u015flang\u0131\u00e7ta 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f t\u00fcm i\u015f\u00e7i ve memurlar\u0131n 1 Ocak tarihi itibariyle BES\u2019e zorunlu olarak kat\u0131l\u0131m\u0131 \u00f6ng\u00f6r\u00fcl\u00fcrken, tepkiler dikkate al\u0131narak kademeli bir ge\u00e7i\u015f program\u0131 uyguland\u0131.<\/p>\n
Buna g\u00f6re; 1 Ocak 2017 tarihinden itibaren 1000 ve daha fazla \u00e7al\u0131\u015fan\u0131 olan \u00f6zel sekt\u00f6r \u00e7al\u0131\u015fanlar\u0131 sisteme otomatik olarak dahil edildiler. 250-1000 \u00e7al\u0131\u015fan\u0131 bulunan \u00f6zel sekt\u00f6r \u00e7al\u0131\u015fanlar\u0131 ile t\u00fcm memurlar ise 1 Nisan 2017\u2019den itibaren zorunlu BES\u2019li olacaklar. Daha sonra kademeli ge\u00e7i\u015f, 45 ya\u015f alt\u0131 t\u00fcm emek\u00e7ileri kapsayacak \u015fekilde 2019 y\u0131l\u0131na kadar gidiyor.<\/p>\n
\u0130lk a\u015famada 2.2 milyon<\/strong> Emeklilik G\u00f6zetim Merkezi\u2019nin Aral\u0131k 2016 verilerine g\u00f6re de, halen 6.6 milyon ki\u015finin BES i\u00e7inde yer ald\u0131\u011f\u0131, son uygulamayla 45 ya\u015f\u0131n alt\u0131ndaki 7.7 milyon ki\u015finin daha sisteme dahil olaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Yani, 14 milyon \u00e7al\u0131\u015fan bu BES\u2019te zorunlu ikamete tabi tutulacak.<\/p>\n Bu AKP iktidar\u0131 i\u00e7in b\u00fcy\u00fck bir kaynak. Bilindi\u011fi gibi BES i\u00e7in \u00e7al\u0131\u015fan\u0131n br\u00fct \u00fccretinden y\u00fczde 3 oran\u0131nda bir kesinti yap\u0131l\u0131yor. \u0130kramiye ve di\u011fer yan \u00f6demelerden de ayn\u0131 oranda kesinti yap\u0131laca\u011f\u0131 i\u00e7in zorunlu BES miktar\u0131 giderek art\u0131yor.<\/p>\n Sistemin fon b\u00fcy\u00fckl\u00fc\u011f\u00fc halen 60.2 milyar TL. Yeni zorunlu kat\u0131l\u0131mlarla bu miktar \u00e7ok daha y\u00fckselecek. Ba\u015fbakan Yard\u0131mc\u0131s\u0131 Nurettin Canikli\u2019nin hesab\u0131na g\u00f6re, 10 y\u0131l i\u00e7inde fona 90 milyar TL\u2019lik bir art\u0131 kaynak sa\u011flanm\u0131\u015f olacak.<\/p>\n Cayma hakk\u0131<\/strong> BES\u2019le ilgili yasaya g\u00f6re, \u00e7al\u0131\u015fan emeklilik plan\u0131na dahil oldu\u011funun kendisine bildirildi\u011fi tarihi m\u00fcteakip iki ay i\u00e7inde s\u00f6zle\u015fmeden cayma hakk\u0131na sahip. \u00c7al\u0131\u015fanlar genellikle \u00e7al\u0131\u015f\u0131p ay sonu itibariyle maa\u015f ald\u0131klar\u0131ndan hen\u00fcz \u015fubat ba\u015f\u0131nda ka\u00e7 ki\u015finin sistemden cayd\u0131\u011f\u0131na ili\u015fkin bir veri elde edemedik.<\/p>\n Yaln\u0131z T\u00fcrkiye genelinde ocak ay\u0131 ba\u015f\u0131nda \u00f6nce maa\u015f alan 39 bin ki\u015fiden 21 bininin cayma hakk\u0131n\u0131 kulland\u0131\u011f\u0131na ili\u015fkin bir bilgi var. Yani ilk etapta sisteme giri\u015f yapanlar\u0131n y\u00fczde 54\u2019\u00fc cayma hakk\u0131n\u0131 kullanm\u0131\u015f g\u00f6z\u00fck\u00fcyor.<\/p>\n BES\u2019e \u2018Hay\u0131r\u2019<\/strong> Nitekim akademisyen \u0130lker Belek, 2 \u015eubat 2017 tarihinde SoL Haber internet sitesinde yer alan \u201cBa\u015fkanl\u0131k derken zorunlu BES\u2019i atlamayal\u0131m\u201d ba\u015fl\u0131kl\u0131 yaz\u0131s\u0131nda \u015f\u00f6yle diyor:<\/p>\n \u201cBa\u015fkanl\u0131k referandumuna zaman var. Ancak 1 \u015eubat itibariyle \u00f6zel sekt\u00f6r i\u015f\u00e7ilerinden ilk zorunlu BES kesintisi yap\u0131ld\u0131. K\u0131sa vade i\u00e7in m\u00fccadeleyi buraya odaklamak gerek. \u0130lk hay\u0131r buradan \u00e7\u0131kmal\u0131. \u0130\u015f\u00e7i s\u0131n\u0131f\u0131 d\u00fczenin yalan\u0131n\u0131 dolan\u0131n\u0131 ilk olarak burada yere \u00e7almal\u0131.\u201d<\/p>\n Biz de \u0130lker Belek\u2019in bu yaz\u0131s\u0131ndan esinlenerek ba\u015fl\u0131\u011f\u0131m\u0131z\u0131 \u201cEmek\u00e7iler, ilk \u2018Hay\u0131r\u2019\u0131n\u0131z BES olsun\u201d diye att\u0131k\u2026<\/p>\n Dilek\u00e7eler haz\u0131r<\/strong> Yine T\u00fcrk-\u0130\u015f\u2019e ba\u011fl\u0131 T\u00dcMT\u0130S de, zorunlu BES\u2019le ilgili olarak DHL ve UPS Kargo gibi i\u015fyerlerinde bilgilendirme \u00e7al\u0131\u015fmas\u0131 yapt\u0131. Cayma hakk\u0131yla ilgili dilek\u00e7e haz\u0131rlanarak \u015fubat ay\u0131nda teslim edilmek \u00fczere temsilciliklere da\u011f\u0131t\u0131ld\u0131. Ayr\u0131ca afi\u015f haz\u0131rlan\u0131p i\u015fyerlerindeki panolara as\u0131ld\u0131. \u0130\u015fyerlerinde halen bu y\u00f6nl\u00fc \u00e7al\u0131\u015fmalar s\u00fcr\u00fcyor.<\/p>\n Ge\u00e7 kalmada hak kayb\u0131<\/strong> E\u011fer iki ay i\u00e7inde cayma hakk\u0131 kullan\u0131lmazsa daha sonra da sistemden \u00e7\u0131kmak m\u00fcmk\u00fcn. Ancak BES\u2019le ilgili yeni y\u00f6netmeli\u011fe g\u00f6re, sistemden \u00e7\u0131k\u0131lmas\u0131 halinde \u201czorunlu giderler\u201d daha da geni\u015fletildi. B\u00f6yle bir durumda fon i\u015fletim giderinin d\u0131\u015f\u0131nda bir\u00e7ok gider de ilave edildi. Yani, daha sonra sistemden \u00e7\u0131kanlar i\u00e7in kesinti miktar\u0131 artm\u0131\u015f bulunuyor, dolay\u0131s\u0131yla \u00e7al\u0131\u015fana \u00f6denecek miktar da daha azalm\u0131\u015f olacak.<\/p>\n Bu nedenle emek\u00e7iler bir an \u00f6nce cayma hakk\u0131n\u0131 kullanarak referandum \u00f6ncesi ilk \u201chay\u0131r\u201d\u0131n\u0131 ortaya koymu\u015f olsunlar. Bu ilk \u201chay\u0131r\u201d ne kadar g\u00fc\u00e7l\u00fc olursa tek adam diktat\u00f6rl\u00fc\u011f\u00fcne yol a\u00e7acak ba\u015fkanl\u0131\u011fa \u201chay\u0131r\u201d da o kadar g\u00fc\u00e7l\u00fc olacakt\u0131r\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"Zorunlu Bireysel Emeklilik Sistemi\u2019ne (BES) kat\u0131l\u0131m, 1 Ocak 2017 tarihi itibariyle ba\u015flad\u0131.…\n","protected":false},"author":2,"featured_media":40571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4689],"tags":[3214,3392],"class_list":{"0":"post-24238","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-secki","8":"tag-bes","9":"tag-zorunlu-bes"},"acf":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/24238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/comments?post=24238"}],"version-history":[{"count":0,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/24238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media\/40571"}],"wp:attachment":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media?parent=24238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/categories?post=24238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/tags?post=24238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nT\u00fcrkiye Sigorta Birli\u011fi Genel Sekreteri Akif Ero\u011flu\u2019nun verdi\u011fi bilgiye g\u00f6re, 1 Ocak itibariyle 2.2 milyon ki\u015finin BES\u2019e otomatik olarak kat\u0131ld\u0131\u011f\u0131 tahmin ediliyor. Bu say\u0131 1 Nisan\u2019da 4 milyon ki\u015finin daha kat\u0131l\u0131m\u0131yla 6.2 milyona ula\u015fm\u0131\u015f olacak.<\/p>\n
\nPeki \u00e7al\u0131\u015fan\u0131n kazanc\u0131 ne? 56 ya\u015f\u0131n\u0131 doldurup sistemde 10 y\u0131l kal\u0131rsa, yani 10 y\u0131l sonra ayda 140 TL maa\u015f alacak. Asl\u0131nda bu zorunlu kesinti Anayasa\u2019ya da ayk\u0131r\u0131. Daha do\u011frusu bir hara\u00e7\u2026<\/p>\n
\nAKP\u2019nin bir \u201chara\u00e7\u201d niteli\u011fi ta\u015f\u0131yan bu zorunlu BES uygulamas\u0131na kar\u015f\u0131 \u00e7al\u0131\u015fanlar\u0131n ve sendikalar\u0131n\u0131n bir tepkisi olmas\u0131 gerekir. Ba\u015fkanl\u0131k referandumu \u00f6ncesinde b\u00f6yle bir tepkiyi g\u00f6stermekte yarar var.<\/p>\n
\nBir\u00e7ok sendika cayma hakk\u0131n\u0131 kullanmak i\u00e7in dilek\u00e7eler ve afi\u015fler haz\u0131rlad\u0131. Bildi\u011fimiz kadar\u0131 ile T\u00fcrk-\u0130\u015f\u2019e ba\u011fl\u0131 Tez Koop-\u0130\u015f, Bas\u0131n-\u0130\u015f gibi sendikalarda e\u011fitim \u00e7al\u0131\u015fmas\u0131 yap\u0131ld\u0131 ve dilek\u00e7eler haz\u0131rland\u0131. D\u0130SK\u2019e ba\u011fl\u0131 Birle\u015fik Metal-\u0130\u015f, Genel-\u0130\u015f ve Bas\u0131n \u0130\u015f sendikalar\u0131 da \u00fcyelerine dilek\u00e7e \u00f6rneklerini sundu.<\/p>\n
\nBES\u2019ten ayr\u0131lmak i\u00e7in sisteme dahil oldu\u011funu takiben 2 ay i\u00e7erisinde bir dilek\u00e7e doldurulup i\u015fverene veya emeklilik \u015firketine posta ve g\u00fcvenli e-posta yoluyla iletmek gerekiyor. Bu cayma dilek\u00e7esinin ilgilisine ula\u015fmas\u0131ndan 10 i\u015f g\u00fcn\u00fc i\u00e7erisinde yap\u0131lm\u0131\u015f olan kesintiler ve varsa yat\u0131r\u0131m geliri \u00e7al\u0131\u015fana iade ediliyor.<\/p>\n