Retirement warning from SSI expert Özgür Erdursun: He announced the critical date

Applications to be made by the end of the year have gained importance for insured people who are missing their retirement premium date. With the increase in the minimum wage on January 1, 2027, it is expected that the costs of birth, military service, foreign borrowing and Bag-Kur revival will also increase.

According to the evaluations of SSI expert Özgür Erdursun, although the minimum wage increase for 2027 is not yet clear, the 25 percent and 35 percent increase scenarios will make a significant difference in borrowing amounts.

In 2026, daily birth borrowing is calculated as 352.32 TL, and other borrowings subject to the 45 percent rate are calculated as 495.45 TL.

HOW ARE DAILY BORROWING AMOUNT CALCULATED?

Birth loan is based on 32 percent of the daily earnings subject to premium. For borrowings subject to a 45 percent rate, such as military service and foreign borrowing, the calculation is made based on 45 percent of daily earnings.

Insured people can choose their earnings between the legal lower and upper limits. As the selected amount increases, the borrowing fee to be paid also increases.

THE COST FOR THREE CHILDREN EXCEEDS 761 THOUSAND TL

4/a employees who were insured before birth, 4/b independent workers and 4/c public servant women can borrow their premium-free postpartum periods if they meet the conditions.

Borrowing is possible for a maximum of three births. The upper limit is 720 days for each child, 1,440 days for two children, and 2,160 days for three children.

Periods during which premiums have been paid after birth are not included in debt. The child must be alive at the time of the loan. There is no obligation to borrow the entire two-year period for each birth.

The cost of a female insured who will owe 2,160 days for three children in 2026 is 761 thousand 11.20 TL.

If there is a 25 percent increase in the minimum wage, the cost difference increases to 190 thousand 252.80 TL, and if there is a 35 percent increase, it increases to 266 thousand 353.92 TL.

MILITARY DEBT MAY WITHDRAW THE START OF INSURANCE

Applications can be made to SSI for the periods spent under arms as a private or non-commissioned officer, and for the loan-eligible periods spent in reserve officer or reserve petty officer school.

Borrowing is based on the actual periods that have not been premiumized before. There is no fixed right of 450 or 540 days for each insured.

Those who have served in the military for 15 months can borrow 450 days, and those who have served in the military for 18 months can borrow 540 days if there is actually a suitable period.

If the military service was completed before the first insurance start date, it is possible to push back the insurance start date by the amount of time owed.

While the cost of 18-month military service debt in 2026 will be 267 thousand 543 TL, it is calculated that this amount will increase to 361 thousand 183.05 TL in the 35 percent raise scenario. The difference reaches 93 thousand 640.05 TL.

THE DIFFERENCE IN FOREIGN BORROWING MAY EXCEED 624 THOUSAND TL

Turkish citizens, blue card holders and beneficiaries who meet the conditions specified in the legislation can benefit from foreign borrowing.

Documented insured working periods spent abroad after the age of 18, unemployment periods of up to one year between or at the end of these periods, and periods spent by women as housewives abroad may be included in the scope of debt.

The daily minimum amount for foreign borrowing is 495.45 TL.

While the cost of 3 thousand 600 days of foreign borrowing in 2026 will be 1 million 783 thousand 620 TL, it is calculated that in case of a 35 percent increase, the amount will increase to 2 million 407 thousand 887 TL.

Thus, in this scenario alone, the cost difference reaches 624 thousand 267 TL.

THE ENTIRE TERM MUST BE PAID FOR BAĞ-KUR REVIVAL

Insured individuals who were previously registered under 4/b, whose service was stopped in accordance with the legislation due to premium debt, and who were entitled to revival can apply for Bağ-Kur revival.

The start and end dates of the suspended periods and the number of days for revival must be requested from SSI.

Being a business owner, having a tax record, or having been a company partner in the past does not alone mean that the service has been discontinued.

The debt calculated for the entire suspended period in Bağ-Kur revival must be paid within the legal period. The revival amount is calculated on the basis of 495.45 TL per day.

WHAT OTHER PERIODS CAN BE DEBTED?

Within the scope of the legislation, debt can be obtained for certain periods other than birth and military service, under certain conditions.

These include unpaid maternity or maternity leave, unpaid leaves of public officials, lawyer internships, doctorate and medical specialization periods, periods of detention or detention resulting in acquittal, periods of strikes and lockouts, periods of honorary assistantship of physicians, periods spent in the open for those who leave office due to elections, some part-time working periods and part-time working periods after birth.

CRITICAL DATE 31 DECEMBER 2026

For general service borrowings, the application date is decisive in the calculation.

Insured people who apply until December 31, 2026 will be able to borrow the amounts valid for 2026 if they meet the conditions.

However, simply submitting a petition is not enough. The calculated debt must be paid within the legal period.