After many years of working, people leave active employment once they meet the required retirement conditions and transition into retirement. After fulfilling the legal requirements for retirement, individuals submit a retirement application and the necessary documents to the Social Security Institution (SGK). The SGK reviews submitted records, and if the conditions are met and procedures are completed, the person becomes eligible for retirement.
Social security coverage varies depending on the sector in which a person works. For example, civil servants in public institutions are covered by the Pension Fund (Emekli Sandığı) and can benefit from the social and health services provided under that scheme. Workers in the private sector or those who run their own business are usually covered by BAĞ-KUR. If you have BAĞ-KUR coverage, once you meet the retirement requirements you can easily find out when you will be eligible using the insurance retirement calculation system without having to visit the institution. Insured workers can access services such as consultations and surgeries free of charge at state hospitals, university hospitals, specialty hospitals, education and research hospitals, and primary health centers thanks to their social insurance coverage.
The insurance retirement calculation shows how much time remains until retirement and when you can claim your pension. People without any social security used to pay around 15 TL for a public-sector medical consultation; under current regulations that fee is now approximately 30 TL. If you have social insurance and receive treatment at private health facilities, you either receive services free of charge or you pay the difference between the service cost and the portion covered by your insurance. Fees for consultations or surgeries at private facilities are linked to the amount of insurance contributions you have paid: the higher your paid premiums, the lower the out-of-pocket costs for private treatment. The same principle applies to prescribed medications. Your coverage may pay the full cost of certain medicines, leaving you with no out-of-pocket expense. For other medicines, the insurance may pay part of the cost and you must cover the remainder. If you have no social security, you must pay the full price of any prescribed medication.
How Is Insurance Retirement Calculated?
The insurance retirement calculation system lets you determine how long you have left before retirement and when you will be eligible. Retirement conditions differ by type of social coverage: Emekli Sandığı, BAĞ-KUR, and SSK each have distinct rules for insured service duration, days of premium payments, and age criteria. You must meet the specific retirement conditions applicable to your coverage type according to the insurance retirement calculation. If you lack any required condition, your retirement will be postponed until that condition is fulfilled; once all requirements are met, you become eligible to retire.
You can perform the insurance retirement calculation online without visiting the Social Security Institution. To use the service, open the SGK website and complete the fields on the retirement calculation page with your accurate personal information, then submit the form to get a quick result. By filling out the required fields correctly, the system will calculate your eligibility status and remaining time until retirement.
The same online process applies if you want to check retirement eligibility for Emekli Sandığı, BAĞ-KUR, or SSK coverage. Access the relevant SGK service page, fill in the requested information, and the system will provide your insurance retirement calculation.