BPJS Ketenagakerjaan: What Can Be Withdrawn? Procedures and Amounts
Understanding one’s rights as a worker is crucial, particularly regarding the BPJS Ketenagakerjaan balance that can be withdrawn upon ceasing employment or reaching retirement age. This knowledge serves as financial protection, ensuring that savings accumulated over years can be maximised according to their intended purpose.
The process of claiming these guarantee funds is often perceived as complicated by some, but the procedures have become far more practical thanks to an integrated digital system. By following the correct steps, participants no longer need to be confused by bureaucracy, provided the required documents are at hand.
In addition to withdrawal procedures, understanding the amounts—both in terms of monthly contributions and cash benefits received—is vital for transparency. This aims to enable readers to have more mature and measured future planning in line with current labour regulations.
So, what are the BPJS Ketenagakerjaan programmes that can be withdrawn? See the complete information in the following explanation!
Programmes under BPJS Ketenagakerjaan That Can Be Withdrawn and Their Benefits
According to the official BPJS Ketenagakerjaan website, the funds that participants can withdraw are broadly divided into two main schemes: accumulated personal balances in the form of deposits/savings and cash assistance funds in the form of compensation. Jaminan Hari Tua (JHT) is the only programme that is purely a savings contribution from participants and can be withdrawn.
Meanwhile, programmes such as Jaminan Kecelakaan Kerja (JKK), Jaminan Kematian (JKM), Jaminan Pensiun (JP), and Jaminan Kehilangan Pekerjaan (JKP) serve as financial compensation or allowances that will be disbursed if certain risks occur, whether due to misfortune or job loss. Here are brief points on the benefits of BPJS Ketenagakerjaan programmes:
Jaminan Hari Tua (JHT): Savings in the form of cash from accumulated contributions and investment returns. Can be withdrawn at age 56, permanent total disability, death, or cessation of work (retrenchment/resignation).
Jaminan Kecelakaan Kerja (JKK): Provides unlimited medical treatment costs and cash compensation if the participant experiences a work accident or illness due to the work environment.
Jaminan Kematian (JKM): Total cash compensation of Rp 42 million for heirs and education scholarships for two children up to Rp 174 million (if death is not due to a work accident).
Jaminan Pensiun (JP): Monthly or lump-sum cash payments to ensure a decent livelihood upon reaching retirement age or experiencing permanent total disability.
Jaminan Kehilangan Pekerjaan (JKP): Cash benefits of 60% of wages (for 6 months), access to job information, and job training for those affected by retrenchment.
Amount of BPJS Ketenagakerjaan Funds That Can Be Withdrawn
When it comes to figures, the amount received by participants is not uniform. According to the official BPJS Ketenagakerjaan website, the withdrawable amount greatly depends on the type of programme followed and the participant’s objective conditions when filing the claim.
For the JHT programme, the amount to be disbursed is the total accumulated balance during the participation period. This balance is formed from monthly contributions of 5.7% (2% from the worker and 3.7% from the company), plus investment returns or interest from BPJS. In short, the higher the salary and the longer the working period, the larger the “savings” that can be withdrawn.
As an illustration, if a participant has a monthly salary of Rp 6,000,000, the simulated balance formed is:
Contribution from worker’s salary: Rp 120,000
Contribution from company: Rp 222,000
Total monthly incoming balance: Rp 342,000 (excluding investment returns).
Outside of JHT, there are fixed ceilings for compensation in other programmes. For JKP, retrenched participants can withdraw cash assistance of 60% of their salary for 6 months.
Meanwhile, for JKM, heirs will receive fixed compensation of Rp 42,000,000. For the JP and JKK programmes, the disbursement scheme is more dynamic, following medical needs or provided periodically each month.
Details of Participant Contributions to BPJS Ketenagakerjaan
Based on the latest regulations, including Government Regulation Number 6 of 2025, contributions for each programme are managed with responsibility shared between workers and companies as follows:
JHT Contributions: Total 5.7% (Participant pays 2%, company pays 3.7% of wages).
JKK Contributions: Fully borne by the company based on work risks. Very low (0.24%), Low (0.54%), Medium (0.89%), High (1.27%), and Very High (1.74%).
JKM Contributions: Fully paid by the company at 0.3% of monthly wages.
JP Contributions: Total 3% (Participant pays 1%, company pays 2% with a maximum calculation wage of Rp 10,547,000).
JKP Contributions: This contribution is borne by the Central Government (0.22%) as well as recomposition results from JKK contributions (0.14%) and JKM (0.10%).
Procedures for Claiming BPJS Ketenagakerjaan Benefits
According to official procedures on the BPJS Ketenagakerjaan website, here are the steps to withdraw benefits for each programme:
Claim for Jaminan Hari Tua (JHT)
Participants can choose two main channels according to convenience:
Online (Lapak Asik): Visit the portal lapakasik.bpjsketenagakerjaan.go.id, fill in personal data (NIK, Name, Participant Number), upload required documents (ID card, participant card, employment certificate), and undergo verification interview via video call.
Offline (Branch Office): Visit in person with original documents, fill out the application form, and attend an interview session with officers at the branch office.
Claim for Jaminan Kecelakaan Kerja (JKK)