How to Work Out Your Retirement Age in Türkiye

Three groups: the first insurance date

The group comes from the first day you were insured, in any status. When bought-back military service comes before that day, the first insurance date moves back by the days bought.

• Before 1999 (EYT): Law 7438 removed the age for the full pension for applications after 3 March 2023. For 4/a the days come from the table of Law 506 provisional art. 81 by the first insurance date: 5,000 days for women first insured by 23 May 1984, 5,900 for 24 May 1996 to 23 May 1997, 5,975 from 24 May 1997.
• 1999 to 2008: Law 5510 provisional art. 9. The age is fixed.
• From 2008: Law 5510 art. 28. The age follows the day the premium days are complete: 58 for women and 60 for men to the end of 2035, 59/61 in 2036–2037, 60/62 in 2038–2039, and 65 for both from 2048.

Days in more than one status

If you worked under 4/a and then under 4/b or as a civil servant, all your days are added up, but the conditions of one status apply:

• First insurance before 1 October 2008: the status with more days in your last 7 years of service (2,520 days, Law 2829 art. 8). SGK also calls it the “last 1,260 days” rule: the status with 1,261 of the last 2,520 days.
• First insurance from 1 October 2008: the status with the most days in your whole career (Law 5510 art. 53).
• A tie: the last status.

Example: a man born on 1 May 1972, first insured under 4/a on 1 March 1994, now works under 4/b with 8,200 days. If 1,620 of his last 2,520 days are 4/b and 900 are 4/a, the 4/b rules apply: no age (EYT), but 9,000 days. With 800 days to go at 360 a year, he retires at the end of 2028. If 1,620 of those days were 4/a, the 4/a rules would apply: 5,675 days and 25 years by his first insurance date, both already met, so he could retire at once.

The partial pension

It needs fewer days and a higher age, and it pays less.

• 4/a before 1999: 15 insurance years and 3,600 days. The age follows the day both are met: 50–58 for women and 55–60 for men; 58 and 60 when met after 24 May 2014.
• 4/b before 1999: 5,400 days (15 full years). The age follows the day both the days and age 50 (women) or 55 (men) are met: 50–56 for women, 55–58 for men.
• 4/c before 1999 and from 1999 to 2008: 5,400 days and age 61.
• 4/b from 1999 to 2008: 5,400 days, age 60 for women and 62 for men.
• From 2008: 5,400 days and the full pension age plus 3, at most 65. For 4/a first insured from 2008 to 2015, the days start at 4,600 and rise by 100 a year (Law 5510 provisional art. 6).

Future days

The days to go are divided by the days a year you will pay and added to today. SGK counts a year as 360 days and a month as 30: a full-time worker 2,900 days short on 29 September 2026 completes the days on 19 October 2034. If you work part-time or will take a break, enter fewer days a year.

Applying

Under 4/a you apply in writing after leaving the job. Under 4/b there must be no premium debt, general health insurance included, on the application day. Under 4/c you need the approval to retire. You apply on e-Devlet or at an SGK office. SGK’s records decide the exact date; the “Ne Zaman Emekli Olabilirim?” service on e-Devlet uses them.