In recent years, as the number of refugees has increased, there has also been a significant rise in the employment of undocumented workers. Although employers know that hiring undocumented labor carries administrative fines, many continue to employ such workers because of lower labor costs. This practice, however, also leads to the cancellation of premium discounts. … Read more

Severance pay can be claimed only if the termination notification uses a dismissal code that does not prevent entitlement to severance. Workers dismissed without severance still have the right to pursue a claim through legal channels within 10 years. What Does the Termination Code Mean? When an employment contract is terminated, the code on the … Read more

The duration of medication and prescription use can be queried through e-Government (e-Devlet). Thanks to intensive digital integration efforts by the Social Security Institution and the Ministry of Health, almost our entire medical history—medication use, doctor appointments and more—can now be managed on online platforms. In addition to e-Devlet, the E-Nabız system also allows full … Read more

Canceling your loan application can be done in several ways. You may have applied for a loan when you needed financing, then met that need by another means or changed your mind about taking the loan. In such cases you have the right to cancel your loan application. You can use the bank channels where … Read more

Birth debt financing is a loan option offered to women who have taken maternity leave so they can cover their social security debt arising from that leave. The following banks provide this service: Ziraat Bank Türkiye İş Bankası DenizBank Halkbank VakıfBank Yapı Kredi Bank Akbank Garanti BBVA When women take time away from work for … Read more

The Multinet card is a common employee benefit that makes meal expenses more convenient. The most frequently asked questions from card users are: How can I check my Multinet balance? Can Multinet card balance be converted to cash? In this article, we explain the methods to check your Multinet balance and describe, in detail, indirect … Read more

The limit for housing loans has been updated: properties valued under 5 million Turkish lira can now qualify for financing up to 90%. The Banking Regulation and Supervision Agency (BDDK) revised the limits for mortgage lending. Previously, the 90% loan-to-value limit applied only to homes priced at 2 million lira or less; the BDDK has … Read more

Milk allowance is a one-time social benefit paid by the state to mothers who give birth. It aims to help cover feeding and care expenses for newborns. The allowance is available to mothers whether they are insured or uninsured. For 2024, the milk allowance has been set at 520 TL. Below we answer frequently asked … Read more

Paying a BAĞ-KUR restructured debt requires understanding the details of your restructuring plan under Law No. 6552 for 4B contributors. With the provisional article that took effect on May 18, 2018, BAĞ-KUR premium debts were opened to restructuring. After the final application deadline of July 31, those who took advantage of the opportunity were able … Read more

Obtaining insurance is one of the most important needs in today’s world. Paying relatively small premiums to be insured is a far wiser approach than covering high treatment costs if a serious illness occurs. Given daily life conditions—stress, the drawbacks of urban living, and industrialized eating habits—many risky illnesses are more likely to develop. Everyone … Read more