{"id":8623,"date":"2017-01-19T15:56:13","date_gmt":"2017-01-19T13:56:13","guid":{"rendered":"https:\/\/w3.bilkent.edu.tr\/tr\/?page_id=8623"},"modified":"2026-02-26T09:50:31","modified_gmt":"2026-02-26T06:50:31","slug":"otomatik-katilimli-bireysel-emeklilik-sistemi","status":"publish","type":"page","link":"https:\/\/w3.bilkent.edu.tr\/tr\/insan-kaynaklari-mudurlugu\/otomatik-katilimli-bireysel-emeklilik-sistemi\/","title":{"rendered":"Otomatik Kat\u0131l\u0131ml\u0131 Bireysel Emeklilik Sistemi (BES)"},"content":{"rendered":"

NN Hayat Emeklilik A.\u015e. firmas\u0131 06.01.2023<\/strong> itibar\u0131yla F\u0130BA Emeklilik ve Hayat A.\u015e.\u2019ne devredilmi\u015ftir. \u0130lgili tarih itibar\u0131yla NN Hayat Emeklilik A.\u015e.\u2019deki t\u00fcm portf\u00f6y,\u00a0 F\u0130BA Emeklilik ve Hayat A.\u015e.\u2019ne aktar\u0131lm\u0131\u015ft\u0131r.<\/p>\n

Hizmet Sa\u011flay\u0131c\u0131 Firma :\u00a0Fiba Emeklilik ve Hayat A.\u015e.
\nHizmet Sa\u011flay\u0131c\u0131 Portal\u0131 \u00a0: www.fibaemeklilik.com.tr
\n<\/a>Hizmet Sa\u011flay\u0131c\u0131 \u00c7a\u011fr\u0131 Merkezi : 444 82 72<\/p>\n

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DUYURU – 19.01.2017<\/strong><\/p>\n

\u00dcniversitemiz, 6740 say\u0131l\u0131\u00a0 Bireysel Emeklilik Tasarruf ve Yat\u0131r\u0131m\u00a0 Sistemi kanununda\u00a0de\u011fi\u015fiklik yap\u0131lmas\u0131na dair kanunun \u00f6ng\u00f6rd\u00fc\u011f\u00fc \u015fekilde, \u00a0personelimizin lehine standart planda en az i\u015fletim giderini teklif eden ve elektronik altyap\u0131s\u0131, ileti\u015fim platformu etkin oldu\u011fu g\u00f6r\u00fclen NN Hayat Emeklilik A.\u015e.\u2019yi Otomatik Kat\u0131l\u0131ml\u0131 Bireysel Emeklilik Sistemi\u2019nde beraber \u00e7al\u0131\u015f\u0131lacak emeklilik \u015firketi olarak belirlemi\u015ftir.<\/p>\n

Otomatik Kat\u0131l\u0131ml\u0131 BES kapsam\u0131na 45 ya\u015f alt\u0131nda olan t\u00fcm T\u00fcrk vatanda\u015f\u0131 \u00e7al\u0131\u015fanlar\u0131m\u0131z dahil olup, ilk BES kat\u0131l\u0131m paylar\u0131 kesintisi Ocak 2017 ay\u0131 maa\u015flar\u0131ndan yap\u0131lacakt\u0131r.<\/p>\n

Sayg\u0131lar\u0131m\u0131zla,<\/p>\n

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OTOMAT\u0130K\u00a0 KATILIMLI\u00a0 B\u0130REYSEL EMEKL\u0130L\u0130K S\u0130STEM\u0130 (BES)<\/strong><\/p>\n

Yasal d\u00fczenlemeyle zorunlu olarak uygulanacak s\u00f6z konusu sistem, \u00e7al\u0131\u015fanlar\u0131n BES\u2019e kat\u0131lmalar\u0131n\u0131, her ay maa\u015flar\u0131ndan yap\u0131lacak kesintiyle birikim yapmalar\u0131n\u0131, devlet katk\u0131s\u0131 da alarak sistemde kalmalar\u0131n\u0131, bu yolla emeklili\u011fe y\u00f6nelik tasarrufu te\u015fvik etmeyi planlamaktad\u0131r.<\/p>\n

S\u00f6z konusu uygulama ve uygulama esaslar\u0131 yasa ve y\u00f6netmeliklerle belirlenmi\u015f olup Bilkent \u00dcniversitesi uygulay\u0131c\u0131 konumundad\u0131r.<\/p>\n

A.\u00a0Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019in Kapsam\u0131nda olan \u00e7al\u0131\u015fanlar<\/a><\/p>\n

B.\u00a0Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019e Kat\u0131l\u0131m ve Ayr\u0131lma<\/a><\/p>\n

C.\u00a0Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019in \u0130\u015fleyi\u015fi<\/a><\/p>\n

D.\u00a0Otomatik Kat\u0131l\u0131m Paylar\u0131<\/a><\/p>\n

E.\u00a0Otomatik Kat\u0131l\u0131ml\u0131 BES Online \u0130\u015flemler<\/a><\/p>\n

F.\u00a0S\u0131k\u00e7a Sorulan Sorular<\/a><\/p>\n


\n\u0130HSAN DO\u011eRAMACI B\u0130LKENT \u00dcN\u0130VERS\u0130TES\u0130
\n<\/strong>OTOMAT\u0130K KATILIMLI B\u0130REYSEL EMEKL\u0130L\u0130K S\u0130STEM\u0130<\/strong><\/p>\n

Hizmet Sa\u011flay\u0131c\u0131 Firma :\u00a0Fiba Emeklilik ve Hayat A.\u015e.
\nHizmet Sa\u011flay\u0131c\u0131 Portal\u0131 \u00a0: www.fibaemeklilik.com.tr
\n<\/a>Hizmet Sa\u011flay\u0131c\u0131 \u00c7a\u011fr\u0131 Merkezi : 444 82 72<\/p>\n

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<\/a>A. OTOMAT\u0130K KATILIMLI BES\u2019\u0130N KAPSAMINA \u00a0G\u0130REN \u00a0\u00c7ALI\u015eANLAR<\/strong><\/p>\n

Bilkent \u00dcniversitesi i\u015fverenine ba\u011fl\u0131 \u00e7al\u0131\u015fan ve a\u015fa\u011f\u0131daki kriterleri sa\u011flayan \u00e7al\u0131\u015fanlar\u0131m\u0131z \u00a0Otomatik Kat\u0131l\u0131ml\u0131 \u00a0BES kapsam\u0131ndad\u0131r:<\/p>\n

A.1. Bilkent \u00dcniversitesi’nde g\u00f6rev yapan akademik, idari, teknik ve destek personellerden;
\nA.2. T\u00fcrk vatanda\u015f\u0131 (ya da 5901 say\u0131l\u0131 T\u00fcrk Vatanda\u015fl\u0131\u011f\u0131 Kanunu’nun 28. maddesi kapsam\u0131nda) olanlar,
\nA.3. 01.01.2017\u2019de 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f (do\u011fum tarihi 01.01.1972 ve sonras\u0131) olanlar,
\nA.4. Halen tam ve yar\u0131 zamanl\u0131 olarak \u00e7al\u0131\u015fmakta olanlar,
\nA.5. Yukar\u0131daki \u015fartlar\u0131 sa\u011flayan mevcut \u00e7al\u0131\u015fanlar,
\nA.6. 01.01.2017\u2019den sonra yeni i\u015fe ba\u015flayacaklardan, i\u015fe giri\u015f tarihi itibar\u0131yla 45 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f olanlar.<\/p>\n

<\/a>B. OTOMAT\u0130K KATILIMLI BES\u2019E KATILIM VE AYRILMA<\/strong><\/p>\n

B.1. \u0130\u015fverenlerin A. maddesinde belirtilen kriterleri sa\u011flayan mevcut \u00a0ve\u00a0 i\u015fe yeni ba\u015flayacak \u00e7al\u0131\u015fanlar\u0131n\u0131 BES\u2019e dahil etmesi yasal zorunluluktur<\/u>.
\nB.2. \u00c7al\u0131\u015fanlar\u0131n sisteme giri\u015f i\u00e7in bir bilgi\/onay vermesi gerekmemektedir. S\u00f6zle\u015fme BES sistemi i\u00e7inde elektronik ortamda otomatik olarak yarat\u0131lmaktad\u0131r.
\nB.3. Halen bir BES s\u00f6zle\u015fmesi olanlar i\u00e7in bu sistem kapsam\u0131nda ayr\u0131 bir BES s\u00f6zle\u015fmesi olu\u015fturulmaktad\u0131r.
\nB.4. \u00c7al\u0131\u015fanlar maa\u015flar\u0131ndan ilk kat\u0131l\u0131m pay\u0131n\u0131n kesildi\u011fi maa\u015f \u00f6deme g\u00fcn\u00fcnde sisteme girmi\u015f say\u0131l\u0131rlar. \u0130lk kat\u0131l\u0131m pay\u0131n\u0131n \u00f6dendi\u011fi g\u00fcn s\u00f6zle\u015fme ba\u015flang\u0131\u00e7 g\u00fcn\u00fc<\/u>d\u00fcr.
\nB.5. \u00c7al\u0131\u015fanlar sisteme girmeden \u00e7\u0131k\u0131\u015f (cayma) bildirimi verememektedir.
\nB.6. \u00c7al\u0131\u015fanlar sisteme giri\u015flerinden<\/u> (maa\u015flar\u0131ndan ilk kat\u0131l\u0131m pay\u0131n\u0131n kesildi\u011fi maa\u015f \u00f6deme g\u00fcn\u00fcnden) itibaren iki ay i\u00e7inde<\/u> s\u00f6zle\u015fmeden \u00e7\u0131kma (cayma) bildirimini BES firmas\u0131na yaparak BES\u2019den \u00e7\u0131kabilirler.
\nB.7. \u0130ki ay i\u00e7inde s\u00f6zle\u015fmeden cayma dilek\u00e7esi vererek ayr\u0131lanlar\u0131n maa\u015flar\u0131ndan yap\u0131lm\u0131\u015f olan kesintiler maa\u015f banka hesap numaralar\u0131na BES firmas\u0131 taraf\u0131ndan iade edilecektir.
\nB.8. Sisteme girdikten iki ay sonra Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019den ayr\u0131lmak isteyenler ba\u015fvurular\u0131n\u0131 direkt BES firmas\u0131na yapmak durumundad\u0131r.
\nB.9. \u0130ki aydan sonra Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019den \u00e7\u0131kanlar birikimlerini yasal BES kesintileri (y\u00f6netim gider kesintisi, stopaj vergisi vb.) d\u00fc\u015f\u00fcld\u00fckten sonra alabilirler.
\nB.10. Cayma ve \u00e7\u0131k\u0131\u015f bildirimleri e-posta, \u00e7a\u011fr\u0131 merkezi m\u00fc\u015fteri temsilcisi, internet sitesi veya cep telefonu uygulamas\u0131 \u00fczerinden yap\u0131l\u0131r.
\nB.11. \u0130\u015ften ayr\u0131lan ki\u015filerin Otomatik Kat\u0131l\u0131ml\u0131 BES s\u00f6zle\u015fmeleri kendili\u011finden iptal olur. Birikimlere ait \u00f6demeler BES firmas\u0131 taraf\u0131ndan kat\u0131l\u0131mc\u0131n\u0131n banka hesab\u0131na yap\u0131l\u0131r. (bk. D.6.)
\nB.12. Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019den (cayma, \u00e7\u0131k\u0131\u015f veya i\u015ften ayr\u0131lma yoluyla) ayr\u0131lm\u0131\u015f ve ayn\u0131 i\u015fyerinde tekrar i\u015fe ba\u015flayan ki\u015filer i\u00e7in yeni bir BES s\u00f6zle\u015fmesi a\u00e7\u0131l\u0131r. (bk. D.6.)
\nB.13. Emeklilik G\u00f6zetim Merkezi, her y\u0131l Nisan ay\u0131nda Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019e dahil olmayan 45 ya\u015f alt\u0131ndaki ki\u015fileri tespit etmekte, i\u015fyerinden bu ki\u015filerin sisteme dahil edilmelerini\u00a0zorunlu tutmaktad\u0131r. Bu ki\u015filer, \u00f6nceki d\u00f6nemlerde Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019den \u00e7\u0131km\u0131\u015f olsalar bile, her y\u0131l Nisan ay\u0131nda tekrardan otomatik olarak sisteme kaydedilecektir.<\/p>\n

<\/a>C. OTOMAT\u0130K KATILIMLI BES\u2019\u0130N \u0130\u015eLEY\u0130\u015e\u0130 <\/strong><\/p>\n

C.1. BES firmas\u0131n\u0131n belirlenmesi \u00fcniversite y\u00f6netiminin olu\u015fturdu\u011fu bir komite taraf\u0131ndan ve Bilsigorta arac\u0131l\u0131\u011f\u0131yla yap\u0131lmaktad\u0131r. \u00a0Belirlenen BES firmas\u0131yla 2 y\u0131ll\u0131k anla\u015fma yap\u0131l\u0131r. \u00c7al\u0131\u015fanlar\u0131n Otomatik Kat\u0131l\u0131ml\u0131 BES s\u00f6zle\u015fmelerini ba\u015fka bir BES firmas\u0131na aktarmalar\u0131 yasal olarak olanakl\u0131 de\u011fildir.
\nC.2. T\u00fcm personel i\u00e7in ge\u00e7erli olacak (faizli ve faizsiz) iki ba\u015flang\u0131\u00e7 yat\u0131r\u0131m fonu bulunmaktad\u0131r. Sistem \u00fczerinde t\u00fcm kat\u0131l\u0131mc\u0131lar i\u00e7in faizli ba\u015flang\u0131\u00e7 yat\u0131r\u0131m fonu \u00f6nceden tan\u0131ml\u0131 durumdad\u0131r.
\nC.3. Emeklilik firmas\u0131 ilk kesinti yap\u0131ld\u0131ktan sonra kat\u0131l\u0131mc\u0131lar\u0131n GSM numaralar\u0131na mesaj g\u00f6ndermektedir. Bu yolla her kat\u0131l\u0131mc\u0131ya birer kullan\u0131c\u0131 ad\u0131 ve \u015fifresi, iletilmi\u015f, faizsiz ba\u015flang\u0131\u00e7 yat\u0131r\u0131m fonuna ge\u00e7mek isteyip istemedikleri sorulmaktad\u0131r.
\nC.4. \u0130lk iki ayl\u0131k kat\u0131l\u0131m pay\u0131 ba\u015flang\u0131\u00e7 fonuna yat\u0131r\u0131l\u0131r. Cayma s\u00fcresi sonras\u0131nda \u00e7al\u0131\u015fan yat\u0131r\u0131m fonlar\u0131 aras\u0131 de\u011fi\u015fimi hizmet sa\u011flay\u0131c\u0131 firmaya ba\u015fvurarak yapar.<\/p>\n

<\/a>D. OTOMAT\u0130K KATILIM PAYLARI<\/strong><\/p>\n

D.1. BES kat\u0131l\u0131m paylar\u0131 i\u015fverenin A maddesi kapsam\u0131ndaki \u00e7al\u0131\u015fan\u0131n maa\u015f\u0131ndan yapaca\u011f\u0131 kesintilerden olu\u015fur. \u00a0\u00dcniversite s\u00f6zkonusu kat\u0131l\u0131m paylar\u0131n\u0131\u00a0 maa\u015f \u00f6demelerini takip eden i\u015fg\u00fcn\u00fc BES firmas\u0131na aktar\u0131r.
\nD.2. Kat\u0131l\u0131m pay\u0131 \u00e7al\u0131\u015fan\u0131n SGK primine esas kazanc\u0131n\u0131n %3\u2019\u00fcd\u00fcr. Bu tutar sabit olmay\u0131p, ki\u015finin ayl\u0131k gelirinin de\u011fi\u015fmesiyle birlikte art\u0131p azalabilir.
\nD.3. Kat\u0131l\u0131mc\u0131lar kesintilerini ve yat\u0131r\u0131m fonlar\u0131n\u0131 BES firmas\u0131n\u0131n kendilerine verece\u011fi kullan\u0131c\u0131 ad\u0131 ve \u015fifresiyle BES firmas\u0131n\u0131n internet sitesi veya bu siteden indirecekleri mobil uygulama \u00fczerinden takip edebilir.
\nD.4. Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019den \u00e7\u0131k\u0131\u015f yapmayan ancak kesintilerinin belirli bir s\u00fcre durdurulmas\u0131n\u0131 isteyen kat\u0131l\u0131mc\u0131lar OTOBES Durdurma Dilek\u00e7esi<\/span><\/strong>‘ni (WORD<\/a>\/PDF<\/a>) doldurarak \u0130nsan Kaynaklar\u0131 M\u00fcd\u00fcrl\u00fc\u011f\u00fc’ne (\u0130KM) verebilirler.
\nD.5. Kat\u0131l\u0131m pay\u0131 durdurma dilek\u00e7e tarihinden sonraki ilk ay\u0131n maa\u015f hesab\u0131nda i\u015fleme al\u0131n\u0131r. Durdurma s\u00fcresi bir, iki veya (azami) 3 ay olabilir.
\nD.6. \u0130\u015ften ayr\u0131lan kat\u0131l\u0131mc\u0131lar Otomatik Kat\u0131l\u0131ml\u0131 BES s\u00f6zle\u015fmelerini, kat\u0131l\u0131m paylar\u0131n\u0131 kendileri \u00f6deyerek devam ettirebilirler. Sadece bu \u015fekilde devam eden s\u00f6zle\u015fmelerde kazan\u0131lm\u0131\u015f haklar ayn\u0131 i\u015fyerinde tekrar \u00a0veya ba\u015fka i\u015fyerinde yeni i\u015fe girerken a\u00e7\u0131lacak yeni Otomatik Kat\u0131l\u0131ml\u0131 BES\u2019e aktar\u0131labilir. Buna y\u00f6nelik i\u015flemler i\u00e7in kat\u0131l\u0131mc\u0131lar\u0131n BES firmas\u0131yla temasa ge\u00e7meleri gerekir.<\/p>\n

<\/a>E. OTOMAT\u0130K KATILIMLI BES ONLINE \u0130\u015eLEMLER\u0130<\/strong><\/p>\n

Kat\u0131l\u0131mc\u0131lar, adlar\u0131na a\u00e7\u0131lm\u0131\u015f s\u00f6zle\u015fmelerin takibini, cayma ve \u00e7\u0131k\u0131\u015f i\u015flemlerini, yat\u0131r\u0131m fonu i\u015flemlerini ve BES kapsam\u0131nda merak ettikleri sorular\u0131n cevaplar\u0131n\u0131 Fiba Emeklilik ve Hayat A.\u015e.\u2019nin\u00a0www.fibaemeklilik.com.tr<\/a>\u00a0sitesi veya buradan indirecekleri mobil uygulamas\u0131n\u0131n \u201conline i\u015flemler\u201d sekmesinden yapabilir.<\/p>\n

<\/a>F. SIK\u00c7A SORULAN SORULAR<\/strong><\/p>\n

Otomatik Kat\u0131l\u0131ml\u0131 BES, Bilkent \u00dcniversitesi’nin bir uygulamas\u0131 olmay\u0131p yasa ve y\u00f6netmeliklerle kurallar\u0131 belirlenmi\u015f bir yasal d\u00fczenlemedir. Bu d\u00fczenlemeye ait son ve g\u00fcncel bilgileri T.C. Ba\u015fbakanl\u0131k Hazine M\u00fcste\u015farl\u0131\u011f\u0131 internet sayfas\u0131ndan veya bu kurum taraf\u0131ndan yay\u0131nlanm\u0131\u015f (10.01.2017 tarihli) Otomatik Kat\u0131l\u0131m Sistemine \u0130li\u015fkin S\u0131k\u00e7a Sorulan Sorular dok\u00fcman\u0131na a\u015fa\u011f\u0131daki linkten ula\u015fabilirsiniz.<\/p>\n