Lifetime Pension From SGK: Here Is the 10% Rule!
An important social security right, which directly concerns millions of workers who have suffered occupational accidents and retirees who continue to be employed, has come to the fore. Isa Karakas, the Chief Specialist of the Social Security Institution (SSI), shared critical details regarding the 'permanent disability income' allocated to workers who suffer lasting damage following an occupational accident or professional disease.
Those who suffer from occupational accidents or diseases are granted a lifelong pension. There are no prerequisites regarding age or the number of premium days.
'Permanent incapacity income' is one of the least known rights in social security legislation. This income serves as a safety net for workers who suffer physical or mental loss as a result of an occupational accident or disease. Social Security Institution (SGK) Chief Specialist İsa Karakaş elaborated on the details of the incapacity income in his article in the Türkiye newspaper. Karakaş emphasized that this income is not a social aid or donation, but entirely a legal consequence of insured employment.
Unlike the usual requirements for retirement such as age, insured employment duration, and number of premium days, these criteria are not sought for this type of salary. Moreover, individuals who continue to work subject to the social security support premium after retiring from a job can also fully benefit from this right.
In order to qualify for a lifetime pension, one must have experienced a minimum of 10% loss in their workforce capacity.
There exists a legal minimum threshold set by the Social Security Institution Health Board for the granting of a permanent disability pension. In accordance with the reports obtained from authorized health institutions, it is required that the worker has lost at least 10% of their earning capacity in their profession. No pension is granted for injuries or illnesses that fall below this rate. The higher the damage rate determined by the board, the higher the monthly pension to be paid to the insured increases correspondingly.
Under the scope of work accident insurance, not only is a pension granted to the worker who has had the accident; in the event of death, a death pension is provided to the family, a dowry aid for daughters about to get married, and a funeral allowance for funeral expenses are also offered.
Who can apply for disability benefits and how?
To benefit from this income, insured individuals don't need to quit their job, close or transfer their own business. While continuing their current jobs and receiving their salaries on one hand, they can also collect the permanent disability income from the Social Security Institution (SGK) on the other hand. Applications can easily be made via the e-Government portal, by mail, or by submitting a petition directly to the SGK offices.
However, there is an additional rule for those working on their own account under the scope of BağKur (4B). In order for BağKur members to receive work accident income, it is required that they have no outstanding debts to the institution, including social security premiums.
How is the Pension Amount Calculated?
The amount of the lifetime pension varies entirely based on the worker's official earnings and premiums prior to the accident:
The total earnings subject to premium in the last three months within the last 12 months before the work accident are divided by the number of premium payment days in that period to calculate a daily earnings basis.
For those who have not worked at all for 12 months and had an accident within the month they started work, the income is clarified by dividing the earnings between the start date of work and the moment of the accident by the number of days worked.
For an unfortunate worker who has a work accident on their first day of work, the daily earnings of a similar insured person working in a comparable job are taken as the basis. Even if they have no premiums, the worker is protected from the first day of the accident.
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