Points to Consider in Disability Retirement
Disability retirement is a right granted in cases where a person cannot continue their working life due to loss of labor force. However, there are some important points to consider during and after the disability retirement application process. In this article, we will address the critical details you may encounter in disability retirement in bullet points.
1. Obtaining a Health Board Report
Detail: One of the most important requirements for disability retirement is to document that you have lost at least 60% of your working capacity with a health board report. This report must be obtained from state hospitals and must definitely be approved by the SGK.
Example: Ali Bey, who became unable to work due to heart disease, applied to the SGK by obtaining a health report from the state hospital showing a 65% loss of labor force.
2. Validity of the Report and Renewal Process
Detail: The health board report you receive may have been issued for a temporary period. Therefore, a renewal of the report may be requested at certain periods. It is important to follow the validity period of the report and renew it when necessary.
Example: Ms. Ayşe, who was entitled to a disability retirement for a period of 2 years in her first application, renewed her retirement by obtaining a health board report again at the end of this period.
3. Required Conditions for Application
Detail: In order to receive a disability retirement, you must have been insured for at least 10 years and have paid 1800 days of premium. If you are dependent on the care of someone else, the number of premium days may be less than 1800.
Example: Ms. Zeynep, who worked as an insured for 12 years and paid 2000 days of premium, applied for disability retirement due to a work accident and retired because she met the conditions.
4. SGK Approval and Process Follow-up
Detail: After receiving the health report, the report must be approved by the SGK. The SGK decides whether you are entitled to retirement after reviewing the report. It is important to follow this process carefully, because your application may be rejected if missing documents or incorrect information is provided.
Example: When Mr. Mehmet submitted his health report to the SGK, his application was rejected due to some deficiencies in the report. He re-applied by completing the missing documents and gained the right to retire.
5. Right to Object and Re-Evaluation
Detail: If the SGK rejects your disability retirement application despite your health report, you have the right to object to the decision. Upon objection, a re-evaluation is made and your situation is reviewed again.
Example: The application of Mr. Ahmet, who had a work accident, was rejected by the SGK. Mr. Ahmet appealed and requested a re-evaluation, and in the second review, he gained the right to retire due to disability.
6. Disability Retirement Pension Cut-Off Status
Detail: If a person who retired due to disability starts working again or is found to be working in an insured job, their disability retirement pension is cut off. Therefore, it is necessary to pay attention to their employment status after retirement.
Example: The salary of Mr. Hasan, who started working after retiring due to disability, was cut off by the SGK because disability retirement pension does not apply to people who continue working.
7. Need for Care and Additional Aids
Detail: If a person who retires due to disability needs the care of another person, additional aid may be provided by the Social Security Institution. If this situation is documented and applied for, additional aid can be received in addition to the retirement salary.
Example: Ali Bey, a retiree who needs home care, applied to the Social Security Institution and received additional care assistance.
8. Tax Exemptions and Other Rights
Detail: Disabled retirees can benefit from certain tax exemptions. It may be necessary to apply to the relevant institutions for rights such as disability discounts and property tax exemptions. Following up on such rights can ease your financial burden after retirement.
Example: Emine Hanım, who applied for the disability discount and provided the necessary documents, was exempt from property tax.
9. Calculation of Retirement Salary
Detail: Disability retirement salary may vary depending on the number of premium days and the period of retirement. You can learn how much your salary will be from the Social Security Institution or use calculation tools online.
Example: Mr. Murat, who has 1800 premium days, learned that his disability retirement salary would be low and made an additional payment to increase his premium days.
10. Social Security After Retirement
Detail: You can continue to benefit from health services after you retire due to disability. However, an additional fee may be charged for some special health services. Knowing your rights within the scope of health services helps you plan for possible additional expenses in advance.
Example: Mr. Selim, who received treatment after retirement and had to pay for some additional services, learned about his rights within the scope of SGK and later began to benefit from these services free of charge.
The disability retirement process is a process that must be carried out with the correct information and documents. There are many details to be considered from the application process to the salary calculation. In particular, issues such as the validity of health reports, SGK approval and application conditions must be followed meticulously for the process to proceed smoothly.
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