BPJS Ketenagakerjaan is a government-mandated social security program that provides protection for workers in Indonesia. All employers are required to register their employees under this scheme. Freelancers and self-employed individuals can also enroll independently to gain access to its benefits. The program is designed to offer financial security in various employment-related situations, including workplace accidents, retirement, death, and unemployment.

What Does BPJS Ketenagakerjaan Include?

BPJS Ketenagakerjaan provides several types of coverage for workers:

1. Work Accident Insurance (Jaminan Kecelakaan Kerja – JKK)

This covers medical costs, rehabilitation, and compensation for workers injured while on the job. The premium rate varies based on the level of work-related risk.

2. Old Age Security (Jaminan Hari Tua – JHT)

This serves as a long-term savings plan for retirement. Contributions are made monthly by both employers and employees. Funds can be withdrawn at retirement age or under certain conditions, such as resignation or permanent disability.

3. Life Insurance (Jaminan Kematian – JKM)

Provides financial assistance to the families of employees who pass away, helping them manage expenses during a difficult time.

4. Pension Plan (Jaminan Pensiun – JP)

Offers monthly pension payments to qualified retirees, ensuring a steady income after they stop working.

Who Can Join BPJS Ketenagakerjaan?

1. Wage-Earning Employees (Penerima Upah)

These include office workers, factory employees, and anyone earning a salary or wage from an employer.

Coverage Includes:

1. Old Age Security (JHT)
2. Work Accident Insurance (JKK)
3. Life Insurance (JKM)
4. Pension Plan (JP)
5. Unemployment Benefit (JKP)

2. Non-Wage Workers (Bukan Penerima Upah)

These are individuals who work independently, such as doctors, small business owners, or online ride-hailing drivers.

Coverage Includes:

1. Old Age Security (JHT)
2. Work Accident Insurance (JKK)
3. Life Insurance (JKM)

3. Construction Workers

Those involved in construction planning, execution, or supervision.

Coverage Includes:

1. Life Insurance (JKM)
2. Work Accident Insurance (JKK)

4. Indonesian Migrant Workers

Citizens working abroad for a wage.

Coverage Includes:

1. Old Age Security (JHT)
2. Work Accident Insurance (JKK)
3. Life Insurance (JKM)

Claim Eligibility and Requirements

1. Old Age Security (JHT)

Can be claimed upon:

1. Reaching the retirement age of 56
2. Retirement per company agreement
3. End of a fixed-term employment contract
4. Job loss (for non-wage workers)
5. Resignation or termination of employment
6. Emigration
7. Permanent disability
8. Death
9. Partial withdrawals (10% or 30%) under specific conditions

2. Life Insurance (JKM)

Required documents:

1. BPJS membership card
2. Worker and heir ID copies (E-KTP)
3. Death certificate
4. Family Card
5. Legal heir certificate
6. Marriage certificate (if spouse is the heir)
7. Other relevant documents as needed

3. Work Accident Insurance (JKK)

Claims can be submitted through:

   Branch Offices:

   Report within 2 x 24 hours with required documentation

   Partner Clinics/Hospitals:

   Immediate care with proper accident report and supporting documents

4. Pension Plan (JP)

Available for:

1. Participants reaching retirement age
2. Individuals with permanent total disability
3. Submission can be done via the BPJS online portal or at a local branch office.

5. Unemployment Benefit (JKP)

Eligibility includes:

Involuntary job loss (except resignation, retirement, disability, or death)

Minimum of 12 months of contributions within the past 24 months

Willingness to return to work

Applicants must have an active SIAP KERJA account at siapkerja.kemnaker.go.id

Contribution Rates

Employer Contributions:

1. Work accident insurance: 0.24% – 1.74%
2. Life insurance: 0.3%
3. Old age security: 3.7%
4. Pension plan: 2%

Employee Contributions:

1. Old age security: 2%
2. Pension plan: 1%