Employing a home caregiver in Turkey follows clearer rules than most families assume. The good news: there is a simplified filing system for household services and the cost is usually lower than feared. This guide summarizes the 2026 framework; for exact figures rely on current SGK announcements.
When is SGK registration mandatory?
- Caregiver working FEWER than 10 days a month (e.g. 1-2 days weekly): the employer pays only a symbolic occupational-accident premium; filing takes minutes on e-Devlet.
- Caregiver working 10 days a month OR MORE (including live-in and full-time daily care): full social insurance is mandatory via the simplified Ek-9 household-employer filing.
- Working unregistered risks retroactive premiums plus administrative fines, and the family's liability is heavier in a workplace accident.
How the Ek-9 simplified filing works
- Apply through e-Devlet or an SGK office; no classic workplace file, no accountant needed.
- Premiums are calculated on the minimum wage and accrue monthly; a bank standing order can pay them.
- The caregiver gains pension, health and accident coverage — experienced caregivers prefer registered work, which strengthens the family's negotiating position.
Which protections matter beyond SGK?
- Private/complementary health insurance: not mandatory but an attractive benefit for live-in care.
- Liability cover: policies covering accidental damage by the caregiver can be added to some home-insurance packages.
- Work permit for foreign caregivers: fines for unpermitted work hit both the family and the caregiver; applications go through the Ministry of Labour e-permit system.
What you see on WellFamily
The 'Insured' badge on profiles means the caregiver submitted an insurance document, reviewed by our verification team at registration. When agreeing terms, put in writing who files the SGK registration (the family) and whether premiums are included in the pay — in pay ranges this difference can amount to 10-15%.
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