In 2025, hundreds of thousands of self-employed contributors with Bağkur premium debt are awaiting the enactment of the ihya (reinstatement) restructuring law. Restoring previously frozen service periods by counting them again toward premium days is a crucial step for many approaching retirement. In this article, we present everything you need to know about “Bağkur ihya restructuring” with up-to-date information, clear explanations, and practical details.
What Is Bağkur Ihya?
Bağkur ihya refers to the revival of service periods that were previously removed or frozen due to unpaid premiums by paying the corresponding contributions. This process is an important opportunity to increase credited days under retirement conditions and move closer to meeting pension requirements.
Past omnibus laws removed service periods for indebted Bağkur contributors. Those granted the right to ihya can retroactively repurchase these periods and pay the required premiums, thereby improving their recorded service time for retirement calculations.
Has the 2025 Bağkur Ihya Restructuring Law Been Passed?
A Bağkur ihya restructuring provision is included in the omnibus bill on the Parliament’s agenda in 2025. As of February 2025, the Ministry of Labor and Social Security prepared a comprehensive proposal and the draft law has been submitted to the Grand National Assembly’s Planning and Budget Committee for review.
If the law is enacted, the main points expected are:
- Service periods deleted on or before 01.05.2021 will be eligible for ihya,
- Payments will be calculated based on the premium amounts applicable in the relevant past periods,
- A payment-by-installments option will be offered,
- The process will be managed through the SGK restructuring application procedures.
Bağkur Ihya Calculation for 2025
Ihya calculations depend on the number of months you wish to repurchase and the monthly premium amount for the relevant period. In 2025, the standard Bağkur monthly premium is 6,894.96 TL; however, ihya calculations use the historical premium amounts applicable to the specific years being reinstated.
Calculation formula:
Ihya Debt = (Number of frozen months) × (Daily premium amount for that year) × 30
Example 1: A tradesperson whose service was frozen for 6 months in 2010
- Monthly Bağkur premium in 2010: 282 TL
- Daily premium: 282 / 30 = 9.40 TL
- Calculation: 6 × 9.40 × 30 = 1,692 TL
Example 2: A farmer whose service was frozen for 8 months in 2015
- Monthly agricultural Bağkur premium in 2015: 406 TL
- Daily premium: 406 / 30 = 13.53 TL
- Calculation: 8 × 13.53 × 30 = 3,247.20 TL
Example 3: A self-employed professional whose 4 months of service were deleted in 2020
- Monthly Bağkur premium in 2020: 1,015 TL
- Daily premium: 1,015 / 30 = 33.83 TL
- Calculation: 4 × 33.83 × 30 = 4,059.60 TL
Example 4: One year (12 months) of frozen service in 2012
- Monthly premium in 2012: 350 TL
- Daily premium: 350 / 30 = 11.66 TL
- Calculation: 12 × 11.66 × 30 = 4,197.60 TL
Estimated Ihya Debt by Service Year (illustrative)
| Year | Monthly Premium (TL) | Daily Premium (TL) | 6-Month Frozen Service Debt (TL) | 12-Month Frozen Service Debt (TL) |
|---|
| 2010 | 282.00 TL | 9.40 TL | 1,692 TL | 3,384 TL |
| 2012 | 350.00 TL | 11.66 TL | 2,098 TL | 4,197 TL |
| 2015 | 406.00 TL | 13.53 TL | 2,435 TL | 4,871 TL |
| 2018 | 700.00 TL | 23.33 TL | 4,199 TL | 8,398 TL |
| 2020 | 1,015.00 TL | 33.83 TL | 6,089 TL | 12,179 TL |
Note: This table provides illustrative examples only. Final amounts are determined by official calculations made through SGK and e-Government services.
How to Apply for Bağkur Ihya
Once the Bağkur ihya restructuring law comes into force, applications can be submitted through e-Government (e-Devlet) or at SGK directorates. The application process will be clearly defined, including payment and document submission steps.
Required documents:
- Copy of identity card
- Bağkur Ihya Application Form
- A petition specifying the frozen days to be reinstated
- Bağkur Insurance Status Document
Where to apply:
- e-Government ihya application screen
- SGK directorates
When Will Bağkur Ihya Restructuring Start?
The omnibus draft law is currently under review in Parliament. The expected timeline is:
- April 2025: Anticipated parliamentary approval
- May 2025: Publication in the Official Gazette
- June 2025: Activation of application screens and start of application period
Who Is Covered by the Bağkur Ihya Restructuring?
The restructuring is expected to cover the following groups:
- 4B (Bağkur) contributors including tradespeople, farmers, and self-employed professionals
- Agricultural Bağkur contributors under Law No. 2926
- Those paying voluntary insurance premiums toward retirement
Will the Bağkur ihya restructuring definitely be enacted in 2025?
The draft law is under consideration in Parliament and there are strong signals in favor of its passage. Follow official channels for the latest developments.
Can I pay my ihya debt in installments?
Yes. The draft proposes installment options of up to 48 months.
How can I view my frozen service period?
You can check your service summary through the e-Government service statement screen.
Bağkur ihya restructuring in 2025 could be one of the most significant opportunities for those nearing retirement with deleted or frozen service periods. We track developments through official SGK announcements and the Official Gazette; this page will be updated with confirmed information as it becomes available.