How to Disburse BPJS Employment with Complete Terms and Guidelines

BPJS is an abbreviation of the Social Security Administering Body. One of the programs from BPJS is BPJS Employment, where the program provides guarantees and protection to workers in facing economic risks. This program will certainly provide great benefits for workers so that their safety and welfare can be guaranteed, both at work and when they are retired.

BPJS Employment itself can be disbursed before entering retirement bun! However, BPJS Employment has its own rules if you want to withdraw your funds.

This provision is regulated in Government Regulation No. 60 of 2015. To disburse the BPJS Employment Old Age Security (JHT) 10% and 30%, participants must be still working and the age requirement for participation is 10 years. To withdraw the JHT funds, you can only choose one of 10% or 30%, you can't do both.

In addition to being able to disburse BPJS 10% and 30%, participants can also withdraw 100% of BPJS Employment JHT. Disbursement of JHT in the amount of 100% is only allowed for participants who do not work either out of the company, resign, as well as layoffs (Termination of Employment).

The balance can be withdrawn after the participant waits 1 month after leaving the job and does not work at all. 

Recently, BPJS Ketenagakerjaan has provided an option for participants to be able to withdraw their funds automatically online through Asik. Asik stands for Service Without Physical Contact. Asik is a program aimed at reducing their mobility related to the Covid-19 pandemic.

Maybe you are wondering how to disburse this BPJS Employment properly online or come directly to the BPJS office. Anything hell What are the conditions that need to be prepared to disburse BPJS Employment funds? The following are the complete terms and methods for disbursing BPJS Employment funds.

Terms of Disbursing BPJS Employment

There are three types of options for disbursing JHT BPJS Employment funds, namely when participants disburse 10%, 30%, or 100% funds. Apparently, the requirements for disbursing funds from this type are different lho. Check out the requirements needed to disburse the following JHT BPJS Employment. 

Conditions for Disbursing BPJS Employment Funds 10%

The disbursement of 10% BPJS Employment funds is specifically intended for pension preparation funds for participants. The requirements for the disbursement of BPJS Employment 10% are as follows.

1. Have been registered as a BPJS Employment participant for at least 10 years
2. The participant is still someone who works
3. BPJS/Jamsostek card, both original and photocopies
4. Identity Card (KTP) or Passport (original and photocopy)
5. KK (Family Card) (provide original and photocopies)
6. Savings Account Book (provide both original and photocopies)
7. Original document and photocopy of NPWP (if the claim value of funds is more than 50 million)
8. Certificate of still actively working obtained from the company

Conditions for Disbursing BPJS Employment Funds 30%

The disbursement of 30% of BPJS Employment funds is specifically intended for housing costs for participants. The requirements for the disbursement of BPJS Employment 30% are as follows.

1. Have been registered as a BPJS Employment participant for at least 10 years
2. The participant is still someone who works
3. BPJS/Jamsostek card both original and photocopies
4. Original document and photocopy of the participant's ID card (KTP) or passport
5. KK (Family Card) both original and photocopies
6. Savings Account Book (provide original and photocopies)
7. Original document and photocopy of NPWP (if the claim value of funds is more than 50 million)
8. Certificate of still actively working obtained from the company
9. Original and photocopy of housing

Conditions for Disbursing BPJS Employment Funds 100%

The 100% disbursement of BPJS Employment funds can only be made by someone who is no longer working either for reasons of having reached retirement age, resigning, or being laid off. The requirements for the disbursement of the 100% BPJS Employment are as follows.

1. BPJS/Jamsostek card, both original and photocopies
2. KTP (Resident Identity Card) or Passport of participants, both original and photocopies
3. KK (Family Card) both original and photocopies
4. Savings Account Book (original and photocopy)
5. NPWP (if the value of the claim is more than 50 million, please provide original and photocopies)
6. Certificate of Quitting from the Company or Paklaring (a letter stating that someone has worked in a company with a certain position)
7. Recent passport photos measuring 3 x 4 and 4 x 6 4 pieces each
8. Certificate of resignation from the employer to the Manpower and Transmigration Service
9. If the reason for stopping work is layoffs, please attach a deed of termination from the Industrial Relations Court (PHI)
10. If necessary, please also attach an email from the HRD of the company where you last worked

How to Disburse BPJS Employment Offline

Currently, we can process BPJS Employment disbursement by coming directly to the office or in person online. Here's how to disburse JHT BPJS funds if participants want to come directly to the BPJS office.

Come to the nearest BPJS office location in your city

The first step is to process the disbursement of BPJS Ketenagakerjaan funds automatically offline Of course, participants need to come to the nearest BPJS office from the participant's closest location. Don't forget to bring all the required documents according to the type of disbursement of your BPJS funds! Also make sure that you have brought the original documents and photocopies of the requirements.

In the disbursement process, participants will usually make a submission sheet that requires a signature on stamp duty. For that, provide materials just in case!

Fill out the blank form

When they arrive at the nearest BPJS office, participants will be assisted by officers to check the completeness of the documents. If the document has been confirmed to be complete, participants will be given time to fill out the form and make an application sheet that requires a signature on stamp duty. Next, the officer will check the documents again until it is confirmed that they are complete.

Go Home and Wait for the Disbursement Process

After the officer confirms that the documents and requirements for disbursing BPJS Employment are complete, the officer will invite participants to go home and wait for the disbursement process to complete. The BPJS Employment disbursement process usually takes 14 days or 2 weeks. BPJS Employment disbursement funds will later be entered into the participant's account that has been registered in the application process. 

How to Disburse BPJS Employment Online

To follow up on government policies to implement social distancing and PPKM (Enforcement of Restrictions on Community Activities), BPJS provides an option to be able to disburse BPJS Employment in a free manner online. In service online Even so, BPJS provides an option if the participant wants to make a claim via email website or through the JMO application (Jamsostek Mobile). 

How to Disburse BPJS Employment through Website Cool

The following is a way to withdraw BPJS Employment through the official BPJS Employment website.

1. Visit the official BPJS Employment website, namely lapakasik.bpjsketenagakerjaan.go.id
2. Complete personal data in the form of NIK (Population Identification Number), full name, and participant BPJS number
3. After that, the system will verify the data automatically
4. Participants are directed to complete the data form as displayed by the site
5. Participants are directed to upload the required documents
6. If the process is complete, the BPJS Employment will provide information in the form of an email related to the interview schedule online with information on branch office officers assigned to conduct the interview process.
7. Participants are contacted via video call document by the officer according to a previously shared schedule. 
8. After the interview is complete, the officer will inform the BPJS JHT disbursement process which usually takes 1 to 2 weeks and will be received by the participant at the registered account number.

How to Disburse BPJS Employment through the JMO Application

In addition to being able to process BPJS Employment disbursement through the official website (the Asik program), participants can make JHT claims through the JMO application. This JMO application was formerly known as the BPJSTKU application. In general, the JHT claim process using the official website and through the application tends to be the same. However, the platform used is different. Here's how to disburse BPJS Employment online through JMO.

1. Download the JMO app via Google Play Store or App Store.
2. Perform the account registration process and login to the account you have registered
3. On the account homepage or main page select the “Online Queue” option
4. Download the JHT application form and fill in the form according to the data.
5. Participants are directed to upload the required documents
6. If the process is complete, the BPJS Employment will verify the data and provide information in the form of an email related to the interview schedule online with information on branch office officers assigned to conduct the interview process.
7. Participants are contacted via video call document by the officer according to a previously shared schedule. 
8. The officer will inform you to wait for the JHT BPJS disbursement process and the funds will be sent to the registered account number.

How long does BPJS Employment Disbursement take?

The process of disbursing BPJS Employment funds usually takes 1-2 weeks. However, each participant is given the right of transparency to be able to check the status of their claim through the following methods.

1. Website access bpjsketenagakerjaan.go.id/tracking 
2. Participants will be directed to enter the Social Security Participant Card number (KPJ)
3. Click “Claim Status Information”
4. Participants will receive information on the status of the JHT claim that has been submitted.

How to Check BPJS Employment Balance

In addition to being able to carry out the process of disbursing JHT BPJS directly, online, you can now also check the BPJS Employment balance online online through device you. 

How to Check BPJS Employment Balance through the BPJS Official Site

The following is a way to check the BPJS Employment Balance through the BPJS Official Website.

1. Site access websitesso.bpjsketenagakerjaan.go.id.
2. Participants are directed to fill out Email and Password in an account that is already registered (if not, you can create an account first)
3. Click "I'm Not a Robot", this is done so that the system can ensure you are a real user, not a user muzzle.
4. Click Login
5. Participants will receive information related to BPJS Employment balance checks.

How to Check BPJS Employment Balance through the JMO Application

1. Download JMO app via Google Play or App Store
2. Open the application and login according to your data
3. Select it on the main screen and click “Old Age Guarantee”
4. Click "Check Balance"
5. After that, participants can see the total BPJS Employment balance through the application.

The explanation above is information about how to disburse JHT BPJS Employment along with the terms and ways to check the status and balance of the claim. Financial problems It is certainly an essential thing that cannot be separated from our daily lives. Always remember to set aside some of your income to prepare for old age. Don't forget to always financial management you yes. 

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