[REVISION HISTORY]

Turkey SGK debt collection and restructuring

Updated 4 times since CLSTR started tracking revisions of this situation.

What changed

2026-10-25 07:53 UTC → 2026-10-26 06:26 UTC · added ~~removed~~

Turkey’s Social Security Institution (SGK) is implementing measures to increase the collection of unpaid premium debts. Under the new Medium-Term Program, the SGK is expected to intensify its follow-up processes during the final quarter of 2026. To assist tradespeople and SMEs, the government has introduced restructuring options, including reducing the annual deferral interest rate from 39% to 29% and allowing installment payments for up to 72 months. These options cover insurance premiums, unemployment insurance, and administrative fines incurred up to June 2026. New collateral rules require no collateral for debts up to 10 million TL; for amounts exceeding this, collateral is only required for half of the excess. Individuals seeking to complete missing premium days—such as military service, maternity, or overseas service—are being urged to submit applications before the December 31, 2026, deadline to avoid costs tied to 2027 minimum wage increases. Under 2026 regulations, the premium rate for most service debts, excluding maternity, has increased from 32% to 45% of daily earnings. A new omnibus law expected to be submitted to the Grand National Assembly of Turkey (TBMM) aims to cancel the General Health Insurance (GSS) premium debts of approximately 1 ~~to 1.5~~ million citizens, specifically targeting unpaid premiums from 2017 that have exceeded the 10-year statute of limitations. This ~~measure, led by the~~ AK ~~Party,~~ Party-led initiative seeks to clear records for those facing barriers to public health services. ~~In a related legal development,~~ If passed and published in the ~~Bursa 13th Labor Court ruled that working abroad does~~ Official Gazette, the regulation is projected to take effect on January 1, 2027. The measure would eliminate principal amounts along with associated late fees and interest for debts incurred before January 1, 2017, though it will not ~~automatically invalidate voluntary insurance premiums paid in Turkey, restoring retirement eligibility~~ provide refunds for ~~a citizen after their premium days were recalculated.~~ previously paid debts or cover any debts incurred from 2017 onwards.

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