6 Easy Ways to Disburse Employment BPJS

How to withdraw BPJS for employment is important for you to know if you plan to withdraw the Old Age Security (JHT) in the near future.

The method is fairly easy as long as you meet the existing requirements and follow all the recommended procedures.

How, do you want to withdraw from BPJS Employment immediately? Follow this procedure!

1. Overview of Employment BPJS and JHT Funds (Old Age Security)

Before discussing how to withdraw Employment BPJS easily, it's a good idea to get to know what Employment BPJS is and other terms that you may not know.

Employment BPJS is an agency established by the government to provide social security protection for Indonesian workers. Existing guarantees include insurance for accidents, death, old age, and pension funds.

This program was basically made as a form of responsibility and obligation of the state in providing social protection for workers.

BPJS for employment (BPJS TK) collects funds from its participants, both formal and informal workers with very affordable nominal contributions or premiums. These contributions are generally charged to companies or institutions that provide wages or salaries. In short, BPJS TK carries a mutual cooperation system (from participants, for participants).

1.1 Employment BPJS Program

As mentioned earlier, BPJS Employment has 4 programs which include:

1. Work Accident Guarantee

Work Accident Insurance or JKK is a program that guarantees protection from various risks of accidents at work or work-related. This guarantee also covers the cost of treating work-related illnesses.

2. Death Guarantee

The second program is life insurance. With this program, heirs or families left behind due to work accidents will receive compensation in the form of cash.

3. Old Age Guarantee

The old age security program (JHT) provides benefits in the form of cash whose value is accumulated from existing contributions and then added to the results of the development. JHT funds can be disbursed all at once.

4. Pension Guarantee

Pension Insurance (JP) is intended for BPJS Employment participants as a guarantee of a decent life in old age. If the BPJS participant dies, the benefits of this guarantee will be given to their heirs. Not only that, JP also provides compensation for members affected by permanent disability caused by an accident while working.

1.2 Employment BPJS participants

Not all participants can get all the existing benefits of BPJS TK. This is determined by the type of membership selected. The explanation is as follows.

1. Wage Recipient Workers (PU)

Wage workers are a group of workers who receive wages, salaries, or rewards from their employers (companies). For example PNS, TNI/POLRI, BUMN/BUMD Employees, Private Employees, Foundation Works, and Companies established by two or more companies such as start-up companies (joint ventures).

BPJS TK program that can be followed:

Work Accident Insurance (JKK)
Death Guarantee (JKM)
Old Age Guarantee (JHT)
Pension Guarantee (JP)

JKK and JKM contributions are fully paid by the employer, while JHT and JP are jointly borne by the employer and wage earner.

2. Non-Wage Recipient Workers (BPU)

BPU or non-wage workers are types of workers who earn income independently, either by offering services or goods. For example professional workers, doctors, lawyers, small workers such as traders, farmers, public transportation drivers, taxis, or online motorcycle taxis.

BPJS TK program that can be followed:

Work Accident Insurance (JKK)
Death Guarantee (JKM)
Old Age Guarantee (JHT)

Contributions for the three programs are fully borne by non-salaried workers (independent).

3. Construction Service Workers (JAKON)

Construction service workers (Jakon) are types of workers who are involved in planning, implementing, working, and supervising construction projects, be they daily workers or contract workers with work funds sourced from the APBN/APBD, the private sector, foreign funds, individuals, and funding sources. other.

BPJS TK program that can be followed:

Work accident insurance (JKK)
Death Guarantee (JKM)

BPJSTK contributions are fully paid by the employer or contractor.

4. Indonesian Migrant Workers (PMI)

Indonesian Migrant Workers (PMI) are Indonesian citizens (WNI) who work and receive wages from outside the territory of the Republic of Indonesia. Indonesian migrant workers include people who plan to go abroad to start work or are in the planning stages.

BPJS TK program that can be followed:

Work Accident Insurance (JKK)
Death Guarantee (JKM)
Old Age Guarantee (JHT)

BPJSTK contributions come from wage earners, not wage earners, so participants must set aside a portion of their income to get JKK, JKM, or JHT protection. PMI can pay existing premiums every month or once a year.

1.4 JHT BPJS Ketenagakerjaan Contribution / Premium Fees

Old Age Guarantee (JHT) is an old age protection guarantee program in the form of cash that can be disbursed all at once. Participants who can withdraw this claim include workers who have reached retirement age, have been laid off, or have resigned.

Based on PP No. 46 of 2015 of 5.7% salary with the following provisions:

1. 3.7% is borne by the employer;

2. 2% is borne by workers

2. Employment BPJS Disbursement Requirements

Fulfill the following requirements if you plan to withdraw BPJS TK as soon as possible. These requirements are adjusted to the amount of BPJS TK that you want to disburse, then follow the method for withdrawing BPJS for employment.

cara mencairkan bpjs ketenagakerjaan

Image Source: Pexels/Andrea Piacquadio

2.1. Terms of Disbursement of Employment BPJS Funds 10%

1. Registered as a BPJS Employment participant for at least 10 years

2. Participants are still actively working in the company

3. Attach the original BPJS TK/JAMSOSTEK card and its photocopy

4. Original KTP/Passport and photocopy

5. The original KK (Family Card) and its photocopy

6. Savings account book and its photocopy

7. NPWP (especially for those who want to claim more than 50 million)

8. Certificate of active work from the company

2.2 Terms of Disbursement of Employment BPJS Funds 30%

1. Registered as a BPJS Employment participant for at least 10 years

2. Participants are still actively working in the company

3. Attach the original BPJSTK/JAMSOSTEK card and its photocopy

4. Original KTP/Passport and photocopy

5. The original KK (Family Card) and its photocopy

6. Savings account book and its photocopy

7. NPWP (especially for those who want to claim more than 50 million)

8. Certificate of active work from the company

9. Home ownership documents and photocopies

2.3 100% Employment BPJS Fund Disbursement Requirements

1. Attach the original BPJSTK/JAMSOSTEK card and its photocopy

2. Original KTP/Passport and photocopy

3. The original KK (Family Card) and its photocopy

4. Paklaring or certificate has stopped working

5. Savings account book and its photocopy

6. Recent passport size 4X6 and 3X4 each printed in 4 copies

7. Letter of resignation or statement of resignation from the employer to the work and transmigration office

8. If you stop working due to layoffs, make sure to attach a certificate of determination of layoffs from the Industrial Relations Court (PHI)

9. Email from HRD last place of work (if needed)

10. Original NPWP and photocopy (if the claim is more than 50 million)

3. 6 Easy Ways to Disburse Employment BPJS

You can easily cash out your BPJS TK balance by following the method for withdrawing BPJS Employment below. This method includes withdrawing balances online and offline.

3.1. Through the Official Website of BPJS TK

1. Prepare all the requirements requested

2. Visit the following BPJS TK website https://sso.bpjsketenagakerjaan.go.id/

3. Register if you don't have an account yet

4. When finished, log in to the same site

5. Enter the “BPJS Ketenagakerjaan Login” menu with an existing account

6. Fill in the form with the KPJ data and the type of claim you want to choose, then click "Submit Form"

7. You will receive a pin via SMS or registered email

8. Fill in the BPJS TK e-claim submission form and information regarding the nearest branch, confirmation pin code, account number, and upload the requested required documents. After that click "Send"

9. If the process is successful, you will get an email regarding the claim status

10. Wait for the interview schedule and prepare the necessary files

11. Disbursement of BPJS Tk funds will be sent to your account after all stages have been completed properly

3.2. Through the JMO Application

For BPJS TK participants who have a balance below IDR 10 million, you can withdraw the funds through an application called JMO. Here's how to withdraw Employment BPJS through the JMO application:

1. Download the JMO app

2. Update the data by following the steps below:

Login with registered email and password
On the dashboard, click the "Update Data" menu
If all the data displayed is correct, click "Already"
Verify participant data
Select "Next"
Fill in personal contact data (mobile number and personal email)
Enter the NPWP data and bank account, then click "Next"
Complete population data, additional data, and emergency contacts
Double-check, if the existing data is filled in correctly, then click "Confirm"

3. Select the “Old Age Security” menu

4. Then select "Claim JHT"

5. Select the reason for submitting the BPJSTK fund disbursement

6. Membership data will appear on your screen, if it is correct click "Next"

7. Perform face verification

8. The JHT balance will be displayed on the screen and click "Next"

9. Click "Confirm" to confirm BPJSTK disbursement

3.3. Through Cool Stalls

Apart from going through the JMO application, you can also withdraw BPJSTK funds through a website called Bukalapak Asik. Disbursement through this site is specifically for participants with balances above IDR 10 million. How to withdraw Employment BPJS online at Asik Stalls as follows.

Visit the Cool Stalls website at https://lapakasik.bpjsketenagakerjaan.go.id/
Complete personal data such as full name, NIK, and membership number
Upload all required documents, including a recent passport photo. Try to use the photo format is JPG/JPEG/PNG with a maximum size of 6 MB
Then click "Save"
Once saved you will get an online interview schedule via the registered email
Next, you will be contacted via video call to verify the data
After all processes run smoothly, the JHT balance will be disbursed to your account

3.4. Through Branch Offices

For those of you who want to withdraw BPJS TK conventionally, you can do it at a branch office by following the steps below.

Bring all required documents required
Visit the nearest BPJS Ketenagakerjaan branch office
Fill in the JHT claim submission form
Take a queue number to conduct an interview and wait for your turn to be called
After the interview and data verification are successful, you will then receive a receipt
Wait for the JHT balance to be disbursed into your account. This process can take more than a day.

If you are still confused during the process, don't hesitate to ask the officer.

3.5. Through Priority Claims

It's the same as how to withdraw BPJS Employment at a branch office, through priority claims you can also withdraw BPJSTK conventionally. The difference is, priority claims are intended for participants who are pregnant, elderly (elderly), and participants who are unwell or sick.

Visit the nearest branch office according to the day and hours of operation Monday - Friday 08.00 - 15.00 WIB
Make sure you bring all the documents requested for verification
Tell the staff about your condition
The officer will give priority queue
Wait a moment for your queue to be called
Follow the officer's directions to carry out the file verification and interview process
The withdrawal balance will be sent to your account

3.6. Through Cooperation Bank (SPO)

Apart from conventional claims by visiting the nearest branch office, now filing claims can be easier by visiting a bank that has collaborated with BPJS Ketenagakerjaan.

The method is as follows.

Visit the nearest bank that has collaborated with BPJS Employment
State your goals to the officer
Officers will verify the data and conduct interviews
Once completed, the disbursement claim will be sent to your bank account

BFI friends, that's how to withdraw BPJS Employment. How cash out BPJS can be done easily if you follow the procedure and complete the required documents. Make sure to always be thorough and alert to suspicious things on behalf of the Employment BPJS.

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