SSI presses the button! Fake insurance policies being identified: Retirements will be canceled

The SGK has launched a large-scale audit to detect the rising number of fake insurance cases over the last two years. In the investigations conducted, insurance notifications made through fake workplaces were examined one by one.

Nearly 89,000 cases of fake insurance were detected in 2023, and nearly 100,000 in 2024. The SGK has declared 2,114 workplaces linked to fake insurance transactions as fraudulent.

Pensions of those who retired unfairly will be cut, and the payments made will be reclaimed.

As investigations deepen, particularly regarding individuals whose insurance premiums were shown as paid, it has been announced that the pensions of those who retired through this method will be cancelled.

ATTENTION TO THOSE WITH AN 'S' LETTER IN THEIR SERVICE RECORD

The SGK identifies fake insurance transactions using special letter codes in the service record. If the letter 'S' is found in the service record, it means that the person is a fake insured individual and their retirement right is cancelled.

'S' letter: Indicates individuals for whom fake insurance has been detected.

'Ş' letter: Refers to suspicious insurance cases.

'K' letter: Indicates workplaces under controlled inspection.

While the SGK initiates detailed investigations into those who have any of these codes, the pensions of individuals who retired with fake insurance will be completely cut, and past payments will be reclaimed with interest.

UNFAIR PENSION PAYMENTS ARE BEING RECLAIMED

The SGK applies two different methods to reclaim pensions and social security payments received unfairly due to fake insurance:

If there is an error originating from the SGK: Payments from the last 5 years will be reclaimed without interest.

If the fake insurance transaction originates from the retiree: Pension payments from the last 10 years will be reclaimed with legal interest.

Heavy fines are also imposed on workplaces involved in fake insurance transactions. In this context, it was announced that 2 billion 36 million TL in fines have been issued.

WHAT IS FAKE INSURANCE AND HOW IS IT DONE?

Fake insurance is the payment of insurance premiums by showing a person as if they are working at a workplace even though they are not actually working. The most common methods of fake insurance are as follows:

Being shown as insured through close relatives or acquaintances.

Paying insurance premiums through workplaces that do not actually operate.

Paying premiums as if insured, even though not working, in order to retire.

The SGK continues its investigations with special audit teams to detect such irregularities.

HOW IS FAKE RETIREMENT CANCELLED?

The SGK follows a specific procedure to cancel the retirement rights of individuals for whom fake insurance transactions are detected:

1. File review: Suspicious insured individuals are identified and placed under detailed audit.

2. Detection of irregularity: If the fake insurance transaction is finalized, the retirement is cancelled.

3. Official notification: The pension is cut, and a notice is served to the person for the repayment of the pensions paid.

4. Right to appeal: Individuals whose pensions are cancelled can appeal to the SGK within 7 days.

The SGK aims to reclaim unfair retirement rights by focusing particularly on premium payments made through shell companies.

WHAT SHOULD THOSE FACING FAKE RETIREMENT ALLEGATIONS DO?

If a person receives an official notification from the SGK stating that their retirement has been cancelled, they should first contact the SGK to learn about the situation.

Those who believe that the action taken against them is unfair can appeal to the SGK with their documents.

If the detection of fake insurance is finalized, the person is required to repay the pensions paid with interest.

In accordance with legal processes, an application can be made to the Consumer Arbitration Committee or the court.

SGK'S FIGHT AGAINST FAKE RETIREMENT CONTINUES

The SGK increases its audits every year to detect fake insurance transactions. Since there is no time limit on retrospective investigations, irregularities committed in the past can be uncovered at any time.

The SGK applies a zero-tolerance policy in the fight against fake retirement.

Retirement rights gained through fake insurance are cancelled.

Both monetary fines and legal sanctions are applied to those who gain unfair profit.