My understanding is that SGK is 183Tl and doesn't give us a pension. Questions still exist (with us) as to whether it covers us for 'free' treatment at Devlet (and paying a top-up for treatment at Esnaf), which (I hope) we clarify when we go back to Vakif Bank to register me in about 3 weeks, once my husband's registration is established. Too many different stories circulating, need to settle things.