BPJS Ketenagakerjaan: Importance, Benefits, & How to Register

BPJS Ketenagakerjaan is a social protection program for all workers in Indonesia, both formal employees and freelancers.

This program functions like insurance that provides economic security for workers and their families.

Considering work risks can happen at any time, participation in BPJS Ketenagakerjaan is an important step to ensure safer protection.

Let’s take a closer look at why BPJS Ketenagakerjaan is important, its benefits, and how to register.

Why BPJS Ketenagakerjaan Is Important

BPJS Ketenagakerjaan is crucial because it provides financial protection for workers from various risks, such as work accidents, illness, disability, and even death, which could disrupt family economic stability.

Without this protection, workers may face prolonged financial difficulties. Additionally, this program helps prepare for retirement through a pension plan, ensuring a secure future without solely relying on daily income.

Benefits of BPJS Ketenagakerjaan

BPJS Ketenagakerjaan offers various benefits designed to protect workers from financial risks, both during employment and after retirement. The main programs include:

1. Pension Benefits (JP)

Granted to BPJS participants who have been registered for at least 15 years or 180 months upon reaching retirement age.

The benefit comes in the form of cash, which can also be received by the spouse or children as heirs if the participant passes away, or if the participant suffers permanent total disability.

2. Old-Age Benefits (JHT)

A lump sum payment given when participants reach the age of 56, pass away, or experience permanent total disability.

The contribution is 5.7% of the salary—2% paid by the worker and 3.7% by the employer—ensuring financial security after retirement or unemployment.

Can JHT balances be withdrawn before reaching 56? Yes. According to Government Regulation (PP) No. 46 of 2015, JHT balances can be withdrawn up to 10%, 30%, or even 100% after 10 years of participation.

3. Job Loss Benefits (JKP)

Provided to employees who are laid off to help them maintain a decent living after losing their jobs.

4. Death Benefits (JKM)

Granted to the heirs of participants who pass away due to non-work-related causes. Benefits include IDR 12 million in compensation over 24 months, IDR 10 million in funeral costs, and scholarships for two children.

5. Work Accident Benefits (JKK)

Covers workers during their commute to/from work, at the workplace, or on business trips.

Benefits include full medical expenses, wage compensation during recovery, 48 times the salary in compensation, and scholarships for two children if the worker dies or suffers permanent disability.

Tips to Maximize BPJS Ketenagakerjaan

To fully benefit from BPJS Ketenagakerjaan, participants should manage their membership properly. Here are some tips:

Understand your rights and obligations: Study the terms of each program carefully, and consult BPJS officers if anything is unclear.
Report wages accurately: Ensure reported wages match your actual income so you receive optimal benefits.
Pay contributions on time: Avoid late payments to prevent suspension or termination of membership.
Utilize available facilities: Take advantage of additional services such as consultations and training to enhance skills and knowledge.

How to Register for BPJS Ketenagakerjaan

As mentioned earlier, BPJS Ketenagakerjaan is not only for formal workers such as government employees, private employees, teachers, and other wage earners. Non-wage earners (BPU), such as traders, farmers, fishermen, freelancers, and ride-hailing drivers, can also register.

The required documents vary depending on participant category. After preparing the requirements, registration can be done offline or online.

Requirements for Registration

For Employers (Companies or Business Entities):

Copy of the owner’s electronic ID card (for foreigners, include a passport and at least a 6-month work contract).
Copy of family card.
Copy of company NPWP (tax ID).
Business license or proof of license application.
Employee data, including number and wages.
For construction project owners: project registration form, worker list, and estimated project value.

For Self-Employed / Non-Wage Workers (BPU):

Copy of electronic ID card.
Submit documents to your employer (if applicable) or use them for independent registration.

For Indonesian Migrant Workers (PMI):

Copy of electronic ID card.
Copy of family card.
Copy of passport.
Copy of work agreement (current or previous).
Valid work extension documents.

Registration Methods by Participant Type

1. Employer Registration

Employers can register themselves and employees through:

Nearest BPJS Ketenagakerjaan branch office.
Service Point Office (SPO) at partner banks.
One-Stop Integrated Service (PTSP).
Official BPJS agents (Mitra Perisai).
Official website: www.bpjsketenagakerjaan.go.id.
OSS (Online Single Submission) for new companies.

Employers must submit employee data and wages during registration.

2. Self-Employed / Non-Wage Worker Registration

Freelancers, traders, fishermen, and ride-hailing drivers can register independently via:

Offline: BPJS branch offices, PPOB agents, partner banks, Mitra Perisai, or informal worker organizations.
Online: bpjsketenagakerjaan.go.id/bpu.
Partner platforms like Cermati and Tokopedia.
Special portal for ride-hailing drivers at bpjsketenagakerjaan.go.id/bpu/gojek.

3. Construction Project Registration

Project owners must first register as employers before registering the project through:

Specific BPJS branch offices (Jakarta area restricted to certain offices).
e-Jakon website at ejakon.bpjsketenagakerjaan.go.id.

4. Indonesian Migrant Worker Registration (PMI)

Migrant workers can register before departure, during employment, or when renewing contracts through:

SISKOTKLN application at labor placement offices (BP3TKI or LTSP).
Licensed placement agencies or self-registration.
bpjsketenagakerjaan.go.id/migran.
JMO (Jamsostek Mobile) app via Play Store or App Store.

Online Registration for Self-Employed Workers

Via Website:

Visit bpjsketenagakerjaan.go.id.
Select “Pendaftaran Peserta BPU”.
Enter personal data (full name, NIK, email, phone, job type, and monthly income).
Choose protection programs and contribution amount.
Upload ID card photo and selfie with ID.
Receive a virtual account number for payment.
Pay via ATM, mobile banking, or partner minimarkets.
Receive a digital BPJS card (can be printed or stored on phone).

Via JMO App:

Download JMO app (Play Store or App Store).
Select “Register as Independent Participant”.
Enter personal details and choose protection programs.
Upload ID card and selfie.
Make the first contribution payment.
Receive a digital e-card.

The JMO app can also be used to check JHT balances, contribution history, submit claims, update participant data, and more.

BPJS Ketenagakerjaan provides essential financial protection—from benefits during employment to retirement security.

By understanding and maximizing it, you and your family can enjoy safer and more stable financial protection.

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