What Is Voluntary Insurance
Voluntary insurance is an insurance branch that gives the opportunity to pay premiums and retire with the premiums paid without working in any workplace, active tax registration, company partnership registration or farming registration. There are certain conditions to become an optional insured. Turkish citizens residing in Turkey and Turkish citizens residing in countries that have not signed a social security agreement while residing in Turkey;
a) Not to work in a way that requires compulsory insurance subject to Law No. 5510 or to work less than 30 days in a month or not to work full time although working as an insured,
b) Not having a pension due to self-insurance,
c) To have completed 18 years of age,
d) Those who apply to the Social Security Institution with a written application can apply.
Insurance Branches that can pay premiums on demand:
Optional Bağkur (4b), Optional Annex 5 agricultural insurance (4a), Optional insurance for housewives, Optional pension fund for those who have completed a certain period in the pension fund.
TERMS
Optional Bağkur (4B)
In order to pay premiums within the scope of optional Bağkur;
It is necessary not to work in any job, not to have records such as agricultural chamber farming record, tax record, company partnership record, and ultimately not to be retired.
Optional Annex 5 Agricultural insurance
Premiums paid within this scope are considered as service within the scope of 4A, i.e. SSK. In order to be an Annex 5 agricultural insured;
You must be working as a discontinuous, daily worker in agriculture or forestry work. Those who are not engaged in agricultural work should not pay premiums under this insurance.
You must not be working in any workplace within the scope of 4A SSK and you must not have any records such as tax records, company partnership, farming records.
Optional insurance for housewives (4B)
Housewives who make and sell products such as handicrafts, knitting and ornaments at home can be insured on demand. If premiums are paid within the scope of housewife insurance, the premiums paid are considered as Bağkur service. The insurance branch that can pay the lowest premium optionally is the housewife optional insurance. In order to be an optional insured housewife;
Producing handicrafts, lace, knitting, ornaments, etc. at home,
No active commercial tax registration,
Not working in a workplace within the scope of 4A SSK,
No retirement is required.
Optional participation in the retirement fund (4C)
It is possible to continue to pay voluntary premiums within the scope of the pension fund and retire in this branch by applying in writing within six months after leaving the civil service, and those who started to work as insured in accordance with the subparagraph (a) (SSK) and (b) (Bağkur) of the first paragraph of Article 4 of the Law No. 5510, within six months from the date of the end of their compulsory insurance. Conditions
According to Law No. 434, those who left their jobs before or after October 2008, when the Law entered into force, and those who started to work again as subject to subparagraph (c) of the first paragraph of Article 4 of Law No. 5510 (Retirement Fund) and left their jobs,
Before or after October 2008, those who left their jobs subject to subparagraph (c) of the first paragraph of Article 4 of Law No. 5510 (Retirement Fund) and whose insurance coverage ended while working subject to subparagraphs (a) (SSK) and (b) (Bağkur) of the first paragraph of Article 4 of Law No. 5510,
They can retire by paying optional premiums without working within the scope of the pension fund.
It should be noted that the calculation of the 10-year period is made without taking into account the actual service period increase, nominal service period, periods of unpaid leave, service borrowings and similar periods.