Submitting a retirement application is a critical step that directly affects retirees' salaries. Experts indicate that failing to submit the application on time may lead to salary losses.

Social Security Expert Özgür Erdursun emphasizes that SSK and Bağ-Kur insured individuals must apply by December 31, 2025. Otherwise, those who apply in 2026 will face approximately a 5% loss.

Erdursun noted that for those under the Retirement Fund, applying at the end of the year or the beginning of the year does not affect their salary. However, this is not the case for SSK and Bağ-Kur.

Retirement through Bağ-Kur rehabilitation is a costly option, while transitioning to SSK is less expensive but requires a longer process.

Finding the right time for retirement is crucial for retirees' future. Experts recommend being cautious in this regard.