Millions of employees “second retirement right” Introduced as and short name TES which is Supplementary Pension Insurancedetails of, Published in the Official Gazette 2026 Year President's Annual Program It became clear with.
Private Pension System (BES) TES, which is seen as its obligatory sibling and is expected to offer a second salary opportunity after retirement., in employees' salaries “forced outage” starts the period.
BASIC DETAILS OF TES AND 2026 TARGET
- Entry into Force: Supplementary Pension System, Medium Term Program (OVP) in the scope of 2026 second quarter of year It is aimed to be implemented as of.
- Mandatory Participation: Arrangement, Unlike the voluntary BES that has been implemented for years,, all employees compulsory participation predicts. Regarding the right of withdrawal, from the current Automatic Enrollment System (ok) A different and more limited structure is expected.
- Deduction Rates (Triple Contribution Model):
- Employee Contribution: From net salaries every month percentage 3 A mandatory deduction will be made at the rate of.
- Employer Contribution: In addition to the deduction made from the employee, there is also a minimum deduction from the employer. percentage 3 A contribution will be made at the rate of. (Employer contribution to resources %1 Although there are also cases where it is mentioned as, The general expectation is that it should be at the same rate as employee contribution.)
- State Contribution: Collected premium is just like BES. percentage 30 State support will be provided at the rate of.
- Second Pension: TES, From the Social Security Institution (Textbook) completely separate, will operate as a second-tier retirement system. retirees, While continuing to receive their monthly payments from SSI, TES savings will provide them with an additional/complementary payment opportunity.
- Condition for Staying in the System: To exit the program, at least 10 year There will be a requirement to stay in the system. In order to use the savings, women 58, in men 60 The age requirement is expected to be met.
- Partial Drawing Rights: Birth, pilgrimage, like military service in special cases You will be given the right to withdraw partial money from the system at certain rates..
SEVERANCE PAY, MERGER AND WORKER RIGHTS
One of the most critical topics of TES, severance pay that it will be combined with. With this integration:
- Compensation Guarantee: No matter how your employees leave the job (including resignation), The aim is to guarantee severance pay rights and ensure that savings are guaranteed by the state..
- Karma Model: Gross salary for severance pay each month to 8.33 percent Matching payment is made. New “System Karma”of, part of this rate (5.33% of the sample) provision for severance pay, the remaining part (%3’ü) will be transferred to the TES fund as employer contribution.
- Transport of Accumulation: The employee will be able to carry his savings to the new workplace even when he changes jobs..
