BPJS Ketenagakerjaan JHT Balance Can Be Withdrawn Without Resigning, Here's How
Jakarta, CNBC Indonesia - BPJS Ketenagakerjaan participants do not have to resign from their jobs to withdraw part of their Jaminan Hari Tua (JHT) balance. This provision is regulated in Article 22 of Government Regulation (PP) Number 46 of 2015, which has been updated through PP Number 60 of 2015.
Under this regulation, active participants can withdraw their JHT balance partially, namely 10% or 30%.
The maximum 30% withdrawal is specifically for home ownership, either in cash or through credit. Meanwhile, the 10% allocation is intended for other purposes as preparation for retirement.
However, to apply for this partial withdrawal, participants must meet the main requirement of having a minimum membership period of 10 years.
The document requirements for partial claims (10% and 30%) are as follows:
Partial Claim 10%
BPJS Ketenagakerjaan (BPJAMSOSTEK) participant card.
E-KTP or other official identity document.
NPWP (mandatory for balances above Rp 50 million or for those who have previously filed a partial claim).
Note: Partial withdrawal may trigger progressive tax on subsequent JHT withdrawals if the interval between withdrawals exceeds 2 years.
Partial Claim 30% (Cash Home Purchase)
BPJS Ketenagakerjaan participant card and E-KTP.
Perjanjian Pengikatan Jual Beli (PPJB) or Akta Jual Beli (AJB).
NPWP (if balance is above Rp 50 million).
Partial Claim 30% (Credit/Mortgage Scheme)
BPJS Ketenagakerjaan participant card and E-KTP.
NPWP (if balance is above Rp 50 million).
Banking documents: credit offer letter/mortgage agreement, photocopy of standing instruction, participant’s bank account, and a statement of outstanding debt/remaining loan (according to the purpose of financing/repayment).
In the name of a spouse: must attach spouse’s KTP/Family Card and a statement letter that the asset was purchased in the name of the legal spouse.
General Criteria for JHT Withdrawal
In addition to partial claims, the JHT balance can be withdrawn in full if one of the following criteria is met:
Reaching retirement age (56 years or according to the company’s collective labour agreement).
End of a fixed-term employment contract (PKWT).
Ceasing business for non-wage earners (BPU).
Resigning or being affected by termination of employment (PHK).
Leaving Indonesia permanently.
Total permanent disability or death.
Guide to Online Withdrawal
Participants can submit claims practically without having to queue at branch offices through two digital channels:
- Through the Lapak Asik Portal (specifically for participants who are retiring, resigning, or affected by layoffs)
Access the portal at lapakasik.bpjsketenagakerjaan.go.id.
Fill in personal data (NIK, full name, and membership number).
Upload the required documents and a recent selfie (JPG/JPEG/PNG/PDF format, maximum 6 MB).
Save the application data and wait for confirmation of an online interview schedule via email.
Officers will verify the data via video call. The balance will be transferred to the participant’s account after verification is complete.
- Through the JMO (Jamsostek Mobile) Application
Open the JMO application and log in using a registered account.
Select the Jaminan Hari Tua menu, then click Klaim JHT.
Ensure the claim criteria are met (indicated by a green check mark).
Select the reason for withdrawal, confirm personal data, and perform selfie photo verification.
Enter NPWP data and an active account number, then click Confirm.
Monitor the withdrawal status in real-time through the Claim Tracking feature. The withdrawal process generally takes 1 to 3 working days.