{"id":4739,"date":"2023-09-26T15:36:18","date_gmt":"2023-09-26T12:36:18","guid":{"rendered":"https:\/\/egemhabertv.com\/?p=4739"},"modified":"2023-09-26T15:36:18","modified_gmt":"2023-09-26T12:36:18","slug":"bireysel-emeklilikte-yenilik-kismi-odeme-yonetmeligi-detaylari","status":"publish","type":"post","link":"https:\/\/egemhabertv.com\/?p=4739","title":{"rendered":"Bireysel Emeklilikte Yenilik: K\u0131smi \u00d6deme Y\u00f6netmeli\u011fi Detaylar\u0131!"},"content":{"rendered":"
\n

Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan:<\/p>\n

B\u0130REYSEL EMEKL\u0130L\u0130K S\u0130STEM\u0130NDE KISMEN<\/p>\n

\u00d6DEME HAKKINDA Y\u00d6NETMEL\u0130K<\/p>\n

B\u0130R\u0130NC\u0130 B\u00d6L\u00dcM<\/p>\n

Ba\u015flang\u0131\u00e7 H\u00fck\u00fcmleri<\/p>\n

Ama\u00e7<\/b><\/p>\n

MADDE 1-<\/b>\u00a0(1) Bu Y\u00f6netmeli\u011fin amac\u0131, bireysel emeklilik sisteminde k\u0131smen \u00f6deme hakk\u0131n\u0131n kullan\u0131m\u0131na ili\u015fkin temel esaslar ile taraflar\u0131n hak ve y\u00fck\u00fcml\u00fcl\u00fcklerinin d\u00fczenlenmesidir.<\/p>\n

Kapsam<\/b><\/p>\n

MADDE 2-<\/b>\u00a0(1) Bu Y\u00f6netmelik, bireysel emeklilik sistemindeki kat\u0131l\u0131mc\u0131lar\u0131n k\u0131smen \u00f6deme hakk\u0131n\u0131 kullanmak \u00fczere yapacaklar\u0131 ba\u015fvuruyu, ba\u015fvurunun de\u011ferlendirilmesini, k\u0131smen \u00f6deme al\u0131nabilecek halleri, k\u0131smen \u00f6deme ile \u00f6denecek Devlet katk\u0131s\u0131n\u0131n hesaplanmas\u0131n\u0131 ve \u00f6denmesini, uygulanacak yapt\u0131r\u0131mlar\u0131, emeklilik g\u00f6zetim merkezi ve emeklilik \u015firketlerinin k\u0131smen \u00f6deme s\u00fcrecindeki g\u00f6rev ve sorumluluklar\u0131n\u0131 ve k\u0131smen \u00f6demeyle ilgili di\u011fer hususlar\u0131 kapsar.<\/p>\n

Dayanak<\/b><\/p>\n

MADDE 3-<\/b>\u00a0(1) Bu Y\u00f6netmelik,\u00a028\/3\/2001\u00a0tarihli ve 4632 say\u0131l\u0131 Bireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununun 6\u00a0nc\u0131\u00a0maddesine dayan\u0131larak haz\u0131rlanm\u0131\u015ft\u0131r.<\/p>\n

Tan\u0131mlar<\/b><\/p>\n

MADDE 4-<\/b>\u00a0(1) Bu Y\u00f6netmelikte ge\u00e7en;<\/p>\n

a) Bakanl\u0131k: Kurumun ili\u015fkili oldu\u011fu Bakanl\u0131\u011f\u0131,<\/p>\n

b) Birikim: Devlet katk\u0131s\u0131 hesab\u0131ndaki tutarlar hari\u00e7, kat\u0131l\u0131mc\u0131n\u0131n bireysel emeklilik hesab\u0131nda bulunan toplam tutar\u0131,<\/p>\n

\n
\n
\n \"A\u00d6F
\n
\n A\u00d6F 2023-2024 S\u0131nav Takvimi Ve Online S\u0131nav Takvimi Belli Oldu!<\/span>
\n <\/span>
\n <\/a>\n <\/div>\n

c) Devlet katk\u0131s\u0131:\u00a031\/12\/2022\u00a0tarihli ve 32060 be\u015finci m\u00fckerrer say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmelikte tan\u0131mlanan Devlet katk\u0131s\u0131n\u0131,<\/p>\n

\u00e7) Devlet katk\u0131s\u0131 hesab\u0131: Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmelikte tan\u0131mlanan Devlet katk\u0131s\u0131 hesab\u0131n\u0131,<\/p>\n

d) Elektronik ileti\u015fim arac\u0131: Bireysel Emeklilik Sistemi Hakk\u0131nda Y\u00f6netmelikte tan\u0131mlanan elektronik ileti\u015fim arac\u0131n\u0131,<\/p>\n

e) Emeklilik g\u00f6zetim merkezi: 4632 say\u0131l\u0131 Kanuna g\u00f6re Kurum taraf\u0131ndan emeklilik g\u00f6zetim merkezi olarak g\u00f6revlendirilen t\u00fczel ki\u015fiyi,<\/p>\n

f) Fon: Emeklilik yat\u0131r\u0131m fonunu,<\/p>\n

g) Kanun: 4632 say\u0131l\u0131 Bireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m Sistemi Kanununu,<\/p>\n

\u011f) Kat\u0131l\u0131mc\u0131: Emeklilik s\u00f6zle\u015fmesine g\u00f6re ad ve hesab\u0131na \u015firket nezdinde bireysel emeklilik hesab\u0131 a\u00e7\u0131lan ger\u00e7ek ki\u015fiyi,<\/p>\n

h) Katk\u0131 pay\u0131: Emeklilik s\u00f6zle\u015fmesine g\u00f6re \u015firkete \u00f6denen, giri\u015f aidat\u0131 hari\u00e7, tasarrufa y\u00f6nelik tutar\u0131,<\/p>\n

\u0131) Kurul: Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurulunu,<\/p>\n

i) Kurum: Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumunu,<\/p>\n

j) S\u00f6zle\u015fme: 4632 say\u0131l\u0131 Kanunun 4 \u00fcnc\u00fc maddesi kapsam\u0131nda yap\u0131lan emeklilik s\u00f6zle\u015fmesini,<\/p>\n

k) \u015eirket: 4632 say\u0131l\u0131 Kanuna g\u00f6re kurulmu\u015f emeklilik \u015firketini,<\/p>\n

ifade\u00a0eder.<\/p>\n

\u0130K\u0130NC\u0130 B\u00d6L\u00dcM<\/p>\n

K\u0131smen \u00d6deme Ba\u015fvurusu ve Halleri<\/p>\n

K\u0131smen \u00f6deme ba\u015fvurusu<\/b><\/p>\n

MADDE 5-<\/b>\u00a0(1) K\u0131smen \u00f6deme hakk\u0131n\u0131 en az be\u015f y\u0131l kullanmam\u0131\u015f bir kat\u0131l\u0131mc\u0131, bu s\u00fcre i\u00e7inde, ba\u015fvuru tarihi itibar\u0131yla ge\u00e7erli olan ayl\u0131k br\u00fct asgari \u00fccret tutar\u0131n\u0131n en az be\u015f kat\u0131 kadar katk\u0131 pay\u0131 \u00f6dedi\u011fi s\u00f6zle\u015fmesinden, bu Y\u00f6netmelikte belirlenen hal ve ko\u015fullarda birikiminin y\u00fczde ellisine kadar olan tutar\u0131n k\u0131smen \u00f6denmesi i\u00e7in \u015firkete ba\u015fvurabilir.<\/p>\n

(2) Kat\u0131l\u0131mc\u0131, k\u0131smen \u00f6deme alma hakk\u0131n\u0131, k\u0131smen \u00f6deme tarihinden itibaren \u00fc\u00e7 y\u0131l i\u00e7inde; emeklilik, vefat veya maluliyet halleri hari\u00e7, k\u0131smen \u00f6demeye konu s\u00f6zle\u015fmesini sistemden \u00e7\u0131k\u0131\u015f i\u015flemi ile sonland\u0131rmayaca\u011f\u0131na dair taahh\u00fct vermek \u015fart\u0131yla kullanabilir. 7\u00a0nci\u00a0madde kapsam\u0131nda yap\u0131lacak ba\u015fvurularda ise bu s\u00fcre d\u00f6rt y\u0131l olarak uygulan\u0131r.\u00a0<\/p>\n

(3) \u015eirket, k\u0131smen \u00f6deme hakk\u0131n\u0131 kullanmak isteyen kat\u0131l\u0131mc\u0131n\u0131n ba\u015fvurusunu yapabilmesini\u00a0teminen\u00a0k\u0131smen \u00f6deme talep formunu, \u015firketin internet sitesinde kat\u0131l\u0131mc\u0131 ad\u0131na olu\u015fturulan g\u00fcvenli sayfadan alabilmesi i\u00e7in gerekli altyap\u0131y\u0131 haz\u0131rlar. Kat\u0131l\u0131mc\u0131, eksiksiz olarak doldurdu\u011fu k\u0131smen \u00f6deme talep formunu; imzalayarak posta yoluyla veya onaylayarak elektronik ileti\u015fim ara\u00e7lar\u0131yla \u015firkete ula\u015ft\u0131r\u0131r. \u015eirket, k\u0131smen \u00f6deme talep formundaki bilgilerin bu Y\u00f6netmeli\u011fe uygunlu\u011funu emeklilik g\u00f6zetim merkezi taraf\u0131ndan sa\u011flanan altyap\u0131 \u00fczerinden kontrol eder. Ba\u015fvurunun bu Y\u00f6netmelikte \u00f6ng\u00f6r\u00fclen \u015fartlar\u0131 sa\u011flamamas\u0131 durumunda, kat\u0131l\u0131mc\u0131, ba\u015fvuru formunun \u015firkete ula\u015ft\u0131\u011f\u0131 tarihten itibaren \u00fc\u00e7 i\u015f g\u00fcn\u00fc i\u00e7inde gerek\u00e7esiyle bilgilendirilir. Ba\u015fvurunun kabul edilmesi durumunda ise ba\u015fvuru formunun \u015firkete ula\u015ft\u0131\u011f\u0131 tarihten itibaren on i\u015f g\u00fcn\u00fc i\u00e7inde k\u0131smen \u00f6demeye konu tutar, \u015firket taraf\u0131ndan kat\u0131l\u0131mc\u0131n\u0131n belirtti\u011fi hesaba \u00f6denir. Kat\u0131l\u0131mc\u0131n\u0131n e\u011fitim amac\u0131yla k\u0131smen \u00f6deme hakk\u0131n\u0131 kullanmas\u0131 halinde ise bu tutar, 7\u00a0nci\u00a0madde kapsam\u0131nda, kat\u0131l\u0131mc\u0131n\u0131n y\u0131ll\u0131k gelir sigortas\u0131 yapt\u0131raca\u011f\u0131 sigorta veya emeklilik \u015firketine \u00f6denir.<\/p>\n

(4) Kat\u0131l\u0131mc\u0131n\u0131n k\u0131smen \u00f6deme ile talep etti\u011fi tutar i\u00e7in sat\u0131lmas\u0131 gerekli fon paylar\u0131na ili\u015fkin son sat\u0131m talimat\u0131n\u0131n verildi\u011fi tarih, k\u0131smen \u00f6deme tarihi olarak kabul edilir.<\/p>\n

(5) \u0130\u015fveren grup emeklilik s\u00f6zle\u015fmeleri, Kanunun ek 2\u00a0nci\u00a0ve ge\u00e7ici 2\u00a0nci\u00a0maddeleri kapsam\u0131nda kurulan s\u00f6zle\u015fmelere istinaden d\u00fczenlenen sertifikalar ile \u00fczerinde haciz veya rehin bulunan veya y\u00fcr\u00fcrl\u00fckte bulunan bir alaca\u011f\u0131n devri s\u00f6zle\u015fmesine konu olan s\u00f6zle\u015fmeler i\u00e7in k\u0131smen \u00f6deme ba\u015fvurusunda bulunulamaz.<\/p>\n

(6) \u0130kinci f\u0131kra kapsam\u0131nda taahh\u00fcd\u00fc devam eden s\u00f6zle\u015fmeler veya bu s\u00f6zle\u015fmelerden kaynakl\u0131 alacaklar\u00a09\/11\/2012\u00a0tarihli ve 28462 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Bireysel Emeklilik Sistemi Hakk\u0131nda Y\u00f6netmeli\u011fin 26\/C maddesi kapsam\u0131nda devredilemez.<\/p>\n

Evlilik veya konut al\u0131m\u0131 halinde k\u0131smen \u00f6deme<\/b><\/p>\n

MADDE 6-<\/b>\u00a0(1) En az be\u015f y\u0131l y\u00fcr\u00fcrl\u00fckte olan bir s\u00f6zle\u015fmesi bulunan kat\u0131l\u0131mc\u0131, konut al\u0131m\u0131 veya evlenme hallerinde bu s\u00f6zle\u015fmesinden k\u0131smen \u00f6deme ba\u015fvurusunda bulunabilir. Bu f\u0131krada say\u0131lan hallerin her birinden, kat\u0131l\u0131mc\u0131 baz\u0131nda bir defaya mahsus olmak \u00fczere k\u0131smen \u00f6deme hakk\u0131 kullan\u0131labilir.<\/p>\n

(2) Konut al\u0131m\u0131 i\u00e7in k\u0131smen \u00f6deme hakk\u0131ndan faydalanan kat\u0131l\u0131mc\u0131, ba\u015fvuru tarihinden iki ay \u00f6ncesine kadar veya k\u0131smen \u00f6deme tarihinden itibaren iki ay i\u00e7inde ald\u0131\u011f\u0131 konutun, kendi ad\u0131na en az y\u00fczde elli sahiplik pay\u0131n\u0131 g\u00f6steren kat m\u00fclkiyeti veya kat irtifak\u0131 kurulmu\u015f tapu belgesinin bir n\u00fcshas\u0131n\u0131 \u015firkete ibraz eder.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n

(3) Evlilik i\u00e7in k\u0131smen \u00f6deme hakk\u0131ndan faydalanan kat\u0131l\u0131mc\u0131, ba\u015fvuru tarihinden \u00f6nceki iki ay i\u00e7inde veya k\u0131smen \u00f6deme tarihinden itibaren iki ay i\u00e7inde evlendi\u011fini g\u00f6steren e-Devlet \u00fczerinden al\u0131nm\u0131\u015f n\u00fcfus kay\u0131t \u00f6rne\u011finin bir n\u00fcshas\u0131n\u0131 \u015firkete ibraz eder.\u00a0\u00a0\u00a0\u00a0<\/p>\n

(4) \u0130kinci ve \u00fc\u00e7\u00fcnc\u00fc f\u0131kralarda say\u0131lan belgelerin k\u0131smen \u00f6deme ba\u015fvurusu esnas\u0131nda ibraz edilmemesi durumunda, k\u0131smen \u00f6deme tutar\u0131n\u0131n Devlet katk\u0131s\u0131 hesab\u0131ndaki tutar\u0131n Kanunun ek 1 inci maddesinde belirtilen Devlet katk\u0131s\u0131 hesaplamas\u0131na esas te\u015fkil eden oran\u0131na b\u00f6l\u00fcm\u00fcn\u00fc a\u015fan k\u0131sm\u0131, ikinci ve \u00fc\u00e7\u00fcnc\u00fc f\u0131kralarda say\u0131lan belgelerin k\u0131smen \u00f6deme tarihinden itibaren iki ay i\u00e7inde ibraz edilmesi durumunda Devlet katk\u0131s\u0131 \u00f6demesiyle birlikte \u00f6denir.<\/p>\n

E\u011fitim halinde k\u0131smen \u00f6deme<\/b><\/p>\n

MADDE 7-<\/b>\u00a0(1) En az be\u015f y\u0131l y\u00fcr\u00fcrl\u00fckte olan bir s\u00f6zle\u015fmesi bulunan kat\u0131l\u0131mc\u0131, ba\u015fvuru tarihinde yirmi bir ya\u015f\u0131n\u0131 a\u015fmam\u0131\u015f olmak ko\u015fuluyla T\u00fcrkiye\u2019de faaliyet g\u00f6steren \u00fcniversitelerin herhangi bir \u00f6rg\u00fcn e\u011fitim lisans program\u0131na kay\u0131tl\u0131 olmas\u0131 halinde bu s\u00f6zle\u015fmesinden k\u0131smen \u00f6deme ba\u015fvurusunda bulunabilir. Bu madde kapsam\u0131nda k\u0131smen \u00f6deme hakk\u0131, kat\u0131l\u0131mc\u0131 baz\u0131nda bir defaya mahsus kullan\u0131labilir.<\/p>\n

(2) E\u011fitim i\u00e7in k\u0131smen \u00f6deme hakk\u0131ndan faydalanacak kat\u0131l\u0131mc\u0131, e-Devlet \u00fczerinden al\u0131nm\u0131\u015f \u00f6\u011frenci belgesinin bir n\u00fcshas\u0131n\u0131 \u015firkete ibraz eder.<\/p>\n

(3) Kat\u0131l\u0131mc\u0131, k\u0131smen \u00f6deme hakk\u0131ndan ayl\u0131k, \u00fc\u00e7 ayl\u0131k veya y\u0131ll\u0131k \u00f6demeli ve d\u00f6rt y\u0131l s\u00fcreli y\u0131ll\u0131k gelir sigortas\u0131 \u00fcr\u00fcn\u00fc almak suretiyle faydalanabilir. Sigorta veya emeklilik \u015firketlerince kat\u0131l\u0131mc\u0131n\u0131n beklentisine, ya\u015f\u0131na, alaca\u011f\u0131 k\u0131smen \u00f6deme tutar\u0131na ve benzeri \u00f6zelliklerine y\u00f6nelik olarak haz\u0131rlanan y\u0131ll\u0131k gelir sigortas\u0131 teklifleri, emeklilik g\u00f6zetim merkezi arac\u0131l\u0131\u011f\u0131yla kat\u0131l\u0131mc\u0131n\u0131n tercihine sunulur.<\/p>\n

(4) Kat\u0131l\u0131mc\u0131n\u0131n k\u0131smen \u00f6demeye konu birikimi, k\u0131smen \u00f6deme ba\u015fvurusunun kabul edilmesinden itibaren en ge\u00e7 on i\u015f g\u00fcn\u00fc i\u00e7inde y\u0131ll\u0131k gelir sigortas\u0131 poli\u00e7esi primi olarak kat\u0131l\u0131mc\u0131n\u0131n tercih etti\u011fi sigorta veya emeklilik \u015firketine tek seferde \u00f6denir.\u00a0<\/p>\n

Do\u011fal afet halinde k\u0131smen \u00f6deme<\/b><\/p>\n

MADDE 8-<\/b>\u00a0(1) Genel hayata etkili afet ilan edilen b\u00f6lgelerde, afetten zarar g\u00f6ren kat\u0131l\u0131mc\u0131lar, do\u011fal afetin meydana geldi\u011fi tarihi m\u00fcteakip alt\u0131 ay i\u00e7inde k\u0131smen \u00f6deme ba\u015fvurusunda bulunabilir. Bu madde kapsam\u0131nda kat\u0131l\u0131mc\u0131 baz\u0131nda bir defaya mahsus ve do\u011fal afetin meydana geldi\u011fi tarihten \u00f6nceki en son hesaplanan birikim tutar\u0131n\u0131n y\u00fczde ellisi ile s\u0131n\u0131rl\u0131 olmak \u00fczere k\u0131smen \u00f6deme hakk\u0131 kullan\u0131labilir.<\/p>\n

(2) Bu madde kapsam\u0131nda k\u0131smen \u00f6deme hakk\u0131ndan faydalanacak kat\u0131l\u0131mc\u0131, Kurum taraf\u0131ndan duyurulan belgenin bir n\u00fcshas\u0131n\u0131 \u015firkete ibraz eder.<\/p>\n

(3) Bu madde uyar\u0131nca yap\u0131lan ba\u015fvurularda, 5 inci maddenin birinci f\u0131kras\u0131nda belirtilen s\u00fcre ve birikim s\u0131n\u0131r\u0131 \u015fartlar\u0131 aranmaz.<\/p>\n

\u00dc\u00c7\u00dcNC\u00dc B\u00d6L\u00dcM<\/p>\n

Devlet Katk\u0131s\u0131 ve Yapt\u0131r\u0131mlar<\/p>\n

Devlet katk\u0131s\u0131<\/b><\/p>\n

MADDE 9-<\/b>\u00a0(1) K\u0131smen \u00f6deme alan kat\u0131l\u0131mc\u0131n\u0131n, Devlet katk\u0131s\u0131 \u00f6demesi yap\u0131laca\u011f\u0131 tarihte ilgili s\u00f6zle\u015fmenin Devlet katk\u0131s\u0131 hesab\u0131nda bulunan tutarla s\u0131n\u0131rl\u0131 olmak \u00fczere hesab\u0131ndan;<\/p>\n

a) 6\u00a0nc\u0131\u00a0madde kapsam\u0131ndaki hallerde k\u0131smen \u00f6demeye konu tutar\u0131n y\u00fczde yirmisi,<\/p>\n

b) 7\u00a0nci\u00a0ve 8 inci maddeler kapsam\u0131ndaki hallerde k\u0131smen \u00f6demeye konu tutar\u0131n y\u00fczde yirmi be\u015fi,<\/p>\n

oran\u0131na\u00a0kar\u015f\u0131l\u0131k gelen miktardaki fon pay\u0131n\u0131n sat\u0131m talimat\u0131 verilir ve fon paylar\u0131n\u0131n nakde d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc g\u00fcn elde edilen nakit tutar Devlet katk\u0131s\u0131 hesab\u0131ndan \u00e7\u0131kar\u0131larak kat\u0131l\u0131mc\u0131ya k\u0131smen \u00f6deme tutar\u0131 ile birlikte \u00f6denir.<\/p>\n

(2) Devlet katk\u0131s\u0131;<\/p>\n

a) Belge ibraz\u0131n\u0131n ba\u015fvuru sonras\u0131nda yap\u0131ld\u0131\u011f\u0131 hallerde,<\/p>\n

b) E\u011fitim halinde, kat\u0131l\u0131mc\u0131n\u0131n y\u0131ll\u0131k gelir sigortas\u0131 s\u00f6zle\u015fmesinin sonlanmas\u0131n\u0131 m\u00fcteakip s\u00f6zle\u015fmenin yersiz k\u0131smen \u00f6demeye konu olmad\u0131\u011f\u0131n\u0131n belgelenmesi halinde,<\/p>\n

belge\u00a0ibraz tarihinden itibaren on i\u015f g\u00fcn\u00fc i\u00e7inde \u00f6denir.<\/p>\n

(3) K\u0131smen \u00f6deme hakk\u0131 kapsam\u0131nda kat\u0131l\u0131mc\u0131ya fazla veya yersiz \u00f6denen Devlet katk\u0131s\u0131 i\u00e7in Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin haks\u0131z Devlet katk\u0131s\u0131na dair 12\u00a0nci\u00a0maddesi h\u00fck\u00fcmleri k\u0131yasen uygulan\u0131r.<\/p>\n

Yersiz k\u0131smen \u00f6deme<\/b><\/p>\n

MADDE 10-<\/b>\u00a0(1) Kat\u0131l\u0131mc\u0131;<\/p>\n

a) 6\u00a0nc\u0131\u00a0maddede yer alan h\u00e2llerden birisi gerek\u00e7e g\u00f6sterilerek ger\u00e7ekle\u015ftirilen k\u0131smen \u00f6demeden sonra, ayn\u0131 maddede belirtilen s\u00fcrelerin sonunda, s\u00f6z konusu h\u00e2llerin olu\u015fmamas\u0131 veya gerekli belgelerin ibraz edilmemesi,<\/p>\n

b) 7\u00a0nci\u00a0madde kapsam\u0131nda ger\u00e7ekle\u015ftirilen k\u0131smen \u00f6deme ile kurulan y\u0131ll\u0131k gelir sigortas\u0131 s\u00f6zle\u015fmesinden ikraz kullanmad\u0131\u011f\u0131na, s\u00f6zle\u015fmesini sonland\u0131rmad\u0131\u011f\u0131na veya s\u00f6zle\u015fmesinin d\u00f6rt y\u0131ll\u0131k s\u00fcresini de\u011fi\u015ftirmedi\u011fine dair y\u0131ll\u0131k gelir sigortas\u0131n\u0131n sona erdi\u011fi tarihi m\u00fcteakip iki ay i\u00e7inde belge ibraz etmemesi,<\/p>\n

durumlar\u0131nda\u00a0k\u0131smen \u00f6deme hakk\u0131n\u0131 kullanm\u0131\u015f say\u0131l\u0131r ve kat\u0131l\u0131mc\u0131ya \u00f6denen k\u0131smen \u00f6deme tutar\u0131 yersiz k\u0131smen \u00f6deme stat\u00fcs\u00fcnde kabul edilir.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n

(2) \u015eirket, kat\u0131l\u0131mc\u0131ya \u00f6denen k\u0131smen \u00f6deme tutar\u0131n\u0131n yersiz k\u0131smen \u00f6deme stat\u00fcs\u00fcnde kabul edildi\u011fi tarihi m\u00fcteakip bir ay i\u00e7inde; kat\u0131l\u0131mc\u0131n\u0131n Devlet katk\u0131s\u0131 hesab\u0131ndaki tutarla s\u0131n\u0131rl\u0131 olmak kayd\u0131yla, yersiz k\u0131smen \u00f6deme stat\u00fcs\u00fcndeki tutar\u0131n Kanunun ek 1 inci maddesinde tan\u0131ml\u0131 Devlet katk\u0131s\u0131 hesaplamas\u0131na esas te\u015fkil eden oran\u0131ndaki tutar\u0131na kar\u015f\u0131l\u0131k gelen miktardaki fon pay\u0131n\u0131n sat\u0131m talimat\u0131n\u0131 verir ve fon paylar\u0131n\u0131n nakde d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc g\u00fcn elde edilen nakit tutar\u0131, Devlet katk\u0131s\u0131 hesab\u0131ndan \u00e7\u0131kararak Bakanl\u0131k hesab\u0131na \u00f6der.\u00a0Bu f\u0131kran\u0131n uygulanmas\u0131na ili\u015fkin di\u011fer hususlarda, Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin hak kazan\u0131lmayan Devlet katk\u0131s\u0131na dair 11 inci maddesi h\u00fck\u00fcmleri uygulan\u0131r.<\/p>\n

Sistemde kalma taahh\u00fcd\u00fcn\u00fcn yerine getirilmemesi<\/b><\/p>\n

MADDE 11-<\/b>\u00a0(1) \u015eirket, 5 inci maddenin ikinci f\u0131kras\u0131nda yer alan taahh\u00fcd\u00fcn\u00fc yerine getirmeyen kat\u0131l\u0131mc\u0131ya k\u0131smen \u00f6deme hakk\u0131 kapsam\u0131nda \u00f6denen Devlet katk\u0131s\u0131 tutar\u0131n\u0131,\u00a021\/7\/1953\u00a0tarihli ve 6183 say\u0131l\u0131 Amme Alacaklar\u0131n\u0131n Tahsil Usul\u00fc Hakk\u0131nda Kanunun 51 inci maddesinde belirtilen gecikme zamm\u0131 oran\u0131na g\u00f6re hesaplanan faiziyle birlikte 6183 say\u0131l\u0131 Kanun h\u00fck\u00fcmlerine g\u00f6re kat\u0131l\u0131mc\u0131ya \u00f6denecek tutardan indirerek ba\u011fl\u0131 bulundu\u011fu vergi dairesine \u00f6der. Bu f\u0131kran\u0131n uygulanmas\u0131na ili\u015fkin di\u011fer hususlarda, Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin haks\u0131z Devlet katk\u0131s\u0131na dair 12\u00a0nci\u00a0maddesi h\u00fck\u00fcmleri k\u0131yasen uygulan\u0131r.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n

(2) \u015eirket, 7\u00a0nci\u00a0madde kapsam\u0131nda k\u0131smen \u00f6deme hakk\u0131n\u0131 kullanan ve 5 inci maddenin ikinci f\u0131kras\u0131nda yer alan taahh\u00fcd\u00fcn\u00fc yerine getirmeyen kat\u0131l\u0131mc\u0131ya \u00f6denen k\u0131smen \u00f6deme tutar\u0131n\u0131n Kanunun ek 1 inci maddesinde tan\u0131ml\u0131 Devlet katk\u0131s\u0131 hesaplamas\u0131na esas te\u015fkil eden oran\u0131na kar\u015f\u0131l\u0131k gelen k\u0131sm\u0131, kat\u0131l\u0131mc\u0131ya \u00f6denecek tutardan indirerek Bakanl\u0131k hesab\u0131na \u00f6der. Bu f\u0131kran\u0131n uygulanmas\u0131na ili\u015fkin di\u011fer hususlarda, Bireysel Emeklilik Sisteminde Devlet Katk\u0131s\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin hak kazan\u0131lmayan Devlet katk\u0131s\u0131na dair 11 inci maddesi h\u00fck\u00fcmleri uygulan\u0131r.<\/p>\n

D\u00d6RD\u00dcNC\u00dc B\u00d6L\u00dcM<\/p>\n

\u00c7e\u015fitli ve Son H\u00fck\u00fcmler<\/p>\n

Emeklilik g\u00f6zetim merkezinin g\u00f6rev ve sorumluluklar\u0131<\/b><\/p>\n

MADDE 12-<\/b>\u00a0(1) Emeklilik g\u00f6zetim merkezi, \u015firketlerce k\u0131smen \u00f6demeye konu kontrollerin yap\u0131labilmesi amac\u0131yla, kat\u0131l\u0131mc\u0131 baz\u0131nda;<\/p>\n

a) K\u0131smen \u00f6deme hakk\u0131n\u0131n kullan\u0131lma gerek\u00e7esi ve tarihini,\u00a0\u00a0\u00a0<\/p>\n

b) K\u0131smen \u00f6demeye konu birikim ve Devlet katk\u0131s\u0131 tutarlar\u0131n\u0131,<\/p>\n

c) Bir \u00f6nceki k\u0131smen \u00f6deme tarihinden itibaren yat\u0131r\u0131lan katk\u0131 pay\u0131 tutar\u0131n\u0131,<\/p>\n

\u00e7) S\u00f6zle\u015fme \u00fczerinde taahh\u00fct bulunma durumunu,<\/p>\n

takip\u00a0eder ve \u015firketlerin bu bilgileri sorgulayabilece\u011fi bir altyap\u0131 sa\u011flar. Bu bilgilere Kurumun uygun g\u00f6rece\u011fi di\u011fer bilgiler eklenebilir.<\/p>\n

(2) Emeklilik g\u00f6zetim merkezi, 6\u00a0nc\u0131, 7\u00a0nci\u00a0ve 8 inci maddelerdeki k\u0131smen \u00f6deme gerek\u00e7eleri ile y\u0131ll\u0131k gelir sigortas\u0131 s\u00f6zle\u015fmesinin yersiz k\u0131smen \u00f6demeye konu olmad\u0131\u011f\u0131n\u0131n \u015firketlerce kontrol\u00fcn\u00fcn sa\u011flanabilmesi amac\u0131yla Kurumun uygun g\u00f6r\u00fc\u015f\u00fc ile di\u011fer kurumlarla protokol yapmaya ve sigorta veya emeklilik \u015firketlerine sorgulama altyap\u0131s\u0131 sa\u011flamaya yetkilidir.<\/p>\n

(3) Y\u0131ll\u0131k gelir sigortas\u0131n\u0131 tercih eden kat\u0131l\u0131mc\u0131lar i\u00e7in kat\u0131l\u0131mc\u0131n\u0131n beklentisine, ya\u015f\u0131na, alaca\u011f\u0131 k\u0131smen \u00f6deme tutar\u0131na ve benzeri \u00f6zelliklerine g\u00f6re sigorta veya emeklilik \u015firketleri taraf\u0131ndan haz\u0131rlanan d\u00f6rt y\u0131l s\u00fcreli y\u0131ll\u0131k gelir sigortas\u0131 teklifleri, emeklilik g\u00f6zetim merkezi arac\u0131l\u0131\u011f\u0131yla kat\u0131l\u0131mc\u0131lar\u0131n tercihine sunulur.<\/p>\n

Y\u00fcr\u00fcrl\u00fck<\/b><\/p>\n

MADDE 13-<\/b>\u00a0(1) Bu Y\u00f6netmelik yay\u0131m\u0131 tarihinden alt\u0131 ay sonra y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

Y\u00fcr\u00fctme\u00a0\u00a0<\/b><\/p>\n

MADDE 14-<\/b>\u00a0\u00a0(1) Bu Y\u00f6netmelik h\u00fck\u00fcmlerini Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan: B\u0130REYSEL EMEKL\u0130L\u0130K S\u0130STEM\u0130NDE KISMEN \u00d6DEME HAKKINDA Y\u00d6NETMEL\u0130K<\/p>\n","protected":false},"author":1,"featured_media":4740,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-4739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saglik"],"_links":{"self":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/4739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4739"}],"version-history":[{"count":0,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/posts\/4739\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=\/wp\/v2\/media\/4740"}],"wp:attachment":[{"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/egemhabertv.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}