BPJS Ketenagakerjaan (Employment Social Security Agency) is a social protection program for all workers in Indonesia, both formal and freelance.
This program functions like insurance, providing economic security for workers and their families.
Given the potential risks of work, participation in BPJS Ketenagakerjaan is a crucial step to ensure greater protection.
Let's take a look at the following review to understand why BPJS Ketenagakerjaan is important, its benefits, and how to register.
Why BPJS Ketenagakerjaan is Important
BPJS Ketenagakerjaan is important because it provides financial protection for workers from various risks, such as workplace accidents, illness, disability, and death, which can disrupt the family's financial stability.
Without this coverage, workers are at risk of facing prolonged financial hardship. Furthermore, this program also helps prepare for retirement through pension guarantees, ensuring a secure future and not relying solely on daily income.
BPJS Employment Benefits
BPJS Employment offers various benefits designed to protect workers from financial risks, both while still actively working and after retirement. Some of the main benefits or programs of BPJS Employment are as follows:
1. Pension Guarantee (JP)
Pension Guarantee is provided to BPJS Employment participants who have been registered for at least 15 years or 180 months upon reaching retirement age.
The benefit is in the form of cash, which can also be received by a spouse or child as heirs in the event of the participant's death, and is also applicable to participants with total permanent disability.
2. Old Age Security (JHT)
Old Age Security is a BPJS Employment benefit in the form of cash paid when a participant reaches 56 years of age, dies, or experiences total permanent disability.
The contribution is 5.7 percent of salary, with 2 percent paid by the employee and 3.7 percent by the employer, providing economic security after retirement or cessation of employment.
So the question is, can you withdraw your JHT balance before age 56? The answer is yes. This is explained in Government Regulation (PP) Number 46 of 2015 concerning the Implementation of the Old Age Security Program, which states that 10%, 30%, or 100% of your JHT balance can be withdrawn after 10 years of participation. For more information on how to withdraw your JHT balance before age 56, please visit the following link.
3. Job Loss Guarantee (JKP)
Job Loss Guarantee is provided to employees who are laid off with the aim of helping them maintain a decent living after losing their jobs.
4. Death Benefit (JKM)
Death benefit is provided to the heirs of participants who die due to non-accidental causes. This benefit includes compensation of IDR 12 million for 24 months, funeral expenses of IDR 10 million, and scholarships for the heir's two children.
5. Work Accident Benefit (JKK)
Work Accident Benefit protects workers while traveling to and from work, while in the work environment, and on business trips.
Benefits include medical expenses until recovery, wage compensation during absence from work, compensation of 48 times the employee's salary, and scholarships for two children in the event of death or total disability.
Tips for Maximizing BPJS Employment
To fully benefit from BPJS Employment, participants need to manage their membership properly. Here are tips for maximizing BPJS Employment:
- Understand your rights and obligations: Carefully review the terms and conditions of each program, and consult a BPJS officer if anything is unclear.
- Report wages correctly: Ensure your reported wages reflect your income to ensure optimal benefits are received.
- Pay contributions on time: Avoid late payments to prevent suspension or cancellation of your membership.
- Take advantage of available facilities: Use additional services such as consultations and training to improve your knowledge and skills.
How to Register for BPJS Ketenagakerjaan
As mentioned above, BPJS Ketenagakerjaan is not only intended for formal workers such as civil servants (ASN), private sector employees, teachers, and other wage-earning workers. Non-wage-earning workers (BPU), such as traders, farmers, freelance fishermen, and online motorcycle taxi drivers, can also register as BPJS Ketenagakerjaan participants.
To register for BPJS Ketenagakerjaan, several document requirements differ depending on the participant category.
After completing the requirements, the registration process can be completed offline or online with a few easy steps. Here are the requirements and steps for registering for BPJS Ketenagakerjaan:
BPJS Employment Registration Requirements
To register for BPJS Employment, you need to prepare the following documents according to your participant category:
- For Employers (Companies or Business Entities):
- Photocopy of the business owner's electronic ID card (for foreign nationals, attach a passport and a minimum 6-month employment contract).
- Photocopy of the family card.
- Photocopy of the company's Taxpayer Identification Number (NPWP).
- Business license or proof of business permit processing.
- Employee data, including the number and amount of wages.
- For construction project owners, additional documents include a project registration form, a list of workers, and an estimated project value.
- For Independent Workers or Non-Wage Recipients (BPU):
- Photocopy of the electronic ID card.
- Submit this document to your employer or use it for self-registration.
- For Indonesian Migrant Workers (PMI):
- Photocopy of the electronic ID card.
- Photocopy of family card.
- Photocopy of passport.
- Photocopy of employment agreement, both current and previous.
- Valid employment extension documents.
Also read: JKN Mobile Application: Features, Benefits, and How to Register
How to Register for BPJS Ketenagakerjaan Based on Participant Type
BPJS Ketenagakerjaan provides various registration channels, both offline and online, to facilitate participants from various categories. Here are the registration steps based on participant type:
1. Registration by Employer
Employers can register themselves and their employees in several ways:
- Visit the nearest BPJS Ketenagakerjaan branch office.
- Through a Service Point Office (SPO) at a partner bank.
- One-Stop Integrated Service Office (PTSP).
- An official BPJS Ketenagakerjaan agent (Mitra Perisai).
- The official BPJS Ketenagakerjaan website at www.bpjsketenagakerjaan.go.id.
- The OSS (Online Single Submission) system for new companies.
After registration, employers are required to fill in the workforce and wage data of the employees to be registered.
2. Independent Worker Registration (Non-Wage Recipients)
Informal workers, such as online motorcycle taxi drivers, traders, fishermen, and freelancers, can register independently through several channels:
- Offline at a BPJS Ketenagakerjaan office, PPOB agent, partner bank, Perisai Partner, or informal worker organization.
- Online through the BPJS Ketenagakerjaan website at bpjsketenagakerjaan.go.id/bpu.
- Partner platforms such as Cermati and Tokopedia.
- A special channel for online transportation driver partners at bpjsketenagakerjaan.go.id/bpu/gojek.
After registration, participants select a protection program and pay contributions via bank transfer or PPOB channels.
3. Construction Services Project Registration
Project owners are required to register as employers before registering their projects:
- Register at a specific BPJS branch office (only available in some branches in the DKI Jakarta area).
- Via the e-Jakon website at ejakon.bpjsketenagakerjaan.go.id.
Follow the registration guide as instructed on the selected channel.
4. Indonesian Migrant Worker (PMI) Registration
Migrant workers can register before departure, while working abroad, or during contract renewal through:
- The SISKOTKLN application at a labor placement office such as BP3TKI or LTSP.
- Official job placement agencies or independently.
- The website bpjsketenagakerjaan.go.id/migran.
- The JMO (Jamsostek Mobile) application, available on the Play Store and App Store.
Steps to Register for BPJS Ketenagakerjaan Online
For self-employed workers, online registration can be done through the official website or the JMO app with the following steps:
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Via the Website:
- Visit the official BPJS Ketenagakerjaan website at https://www.bpjsketenagakerjaan.go.id.
- Select the "BPU Participant Registration" menu.
- Fill in your personal information, such as your full name, National ID Number (NIK), email address, mobile phone number, type of employment, and monthly income.
- Select a coverage program and determine the contribution amount based on your income.
- Upload a photo of your ID card and a selfie with your ID card.
- After successful registration, the system will provide a virtual account number for payment.
- Pay your contribution through an ATM, mobile banking, or a partnering minimarket.
- Participants will receive a digital BPJS Ketenagakerjaan card that can be printed or saved on their mobile phone.
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Via the JMO (Jamsostek Mobile) App:
- Download the JMO app from the Play Store or App Store.
- Open the app and select the "Independent Participant Registration" menu.
- Enter your personal details and select a protection program.
- Upload your ID card and a photo of yourself.
- Make your first contribution payment.
- Upon successful registration, participants will receive a digital e-card.
Besides being used as a registration tool, the JMO application can also be used to check your JHT (Job Insurance) balance and contribution history, submit claims, update participant data, and more.
This concludes our discussion of the importance of BPJS Ketenagakerjaan (Employment Social Security), from the benefits you can receive to how to register.
By understanding and maximizing its use, you and your family can enjoy safer and more secure financial protection.
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Also read: Let's Get to Know the Types of Taxes Applicable in Indonesia
