Military service loan is a practice that allows citizens who have completed their military service in Türkiye to pay premiums through the Social Security Institution (SSK) in order to include this period in their retirement period. This practice offers a significant advantage for those who want to bring forward their retirement age and increase the number of retirement premium days. The benefits of military service loan can be listed as follows:
Military service credit allows individuals who have completed their military service before starting to work as an insured to push back the insurance start date. This allows individuals to bring their retirement age forward.
Military service debt helps insured individuals complete their missing premium days. Premium days debted during military service are added to the total number of premium days, helping to complete the number of premium days required for retirement more quickly.
By increasing the number of premium days and bringing forward the retirement age, military service debt allows insured individuals to retire at an earlier age. This provides a significant advantage, especially for individuals who have served in the military for a long time.
Military service debt allows individuals who cannot work during their military service and therefore cannot pay premiums to compensate for this period by borrowing. The amount of debt is calculated based on the premium-based earnings and payment convenience is provided.
Applications for military service debt are made to the Social Security Institution (SGK). The documents required for the application include a military service discharge certificate and a debt request petition. The application process is evaluated by the relevant units of the SGK and the applicant is notified of the amount to be paid.
Military service loan made through the Social Security Institution in Türkiye is an important opportunity for individuals who cannot pay premiums during their military service. Thanks to this loan, insured individuals can bring forward their retirement age, increase the number of premium days and have the opportunity to retire earlier. Therefore, military service loan provides great benefits in terms of both retirement planning and alleviating financial burdens.