How the Premium returns of Turkish citizens working in Germany made?
1- What does Germany Premium return mean?
The Premiums of Turkish citizens, working in Germany, can be taken back to them or to their kin if they pass away with some conditions.
2-WHere to apply for Germany Premium Returns?
Appliers need to apply for provincial directorate of social security institutions nearby their dwellings in Turkey by themselves.
3- What are the general conditions for premium returns?
Prior condition for making Premium returns is that social insurant who is a Turkish citizen, has to wait 2 years and to no longer live in Germany. The begging of waiting process is the end of the being covered by old age insurance. Compulsory insurance procedure in Germany and Turkey are the same. Unemployment benefit accepted as payments substituted for earnings, general unemployment benefit and unemployment insurance benefit after First January, 2015 are accepted as compulsory insurance and waiting process starts after those above mentioned payments made.
Two years of waiting process starts each and every time after compulsory insurance terminates. Social security and general health insurance law no.5510 does not affect this period.
Turkish Citizens left Germany until 17th March 1987 are not affected by waiting process even if they have compulsory insurance in Turkey and they can take premium returns.
Moreover, Turkish Citizens whose premium payments do not exceed 5 years in both countries even if they are over 65 years old do not have to wait two years.
4-How Premium returns are made?
4.1- It is possible to make Germany Premium returns to widowers, divorcees and orphans. Germany and Turkish insurance periods are merged when analyzing these conditions.
4.2- Orphans have to meet the conditions of Germany Pension Laws in order to have Premium returns.
4.3- In other words, applicant has to be under 18 or has to be under 27 if he is disabled. Orphans are able to submit petition if they are over 15 years old.
4.4- Premiums are shared equally if there is more than one orphan.
5- What are the refundable and nonrefundable premiums?
The half of insurance premiums is refundable. Premiums that insurant do not contribute such as; unemployment benefit, unemployment compensation, injured and patient money are nonrefundable.
Any kind of retirement, monthly payment made by German insurance, rehabilitation treatment, and other benefits made for tuberculosis of insurant’s wife and/or kids are nonrefundable.
The premiums of those whose partial emolument in Turkey are calculated over Germany, premium payment periods are nonrefundable. However, those whose partial emoluments are pensioned, who make Foreign Service debt and make national service debt, and their premiums are refundable. Refunds of a specific amount of premiums cannot be demanded.
6-What are the results of Premium return?
German retirement insurance is canceled after refunding premiums. Other rights including child raising allowance are canceled. Consequently, premiums before any kind of benefits would no longer be valid.
Source:SSI
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