Guidelines for Withdrawing BPJS Ketenagakerjaan Funds After Resignation: How Long Does It Take?
BPJS Ketenagakerjaan is one of the essential social security schemes for workers in Indonesia. After resigning or leaving employment, many participants wish to withdraw these benefits to meet their needs. However, many remain confused about the withdrawal procedures and how long the process takes until the funds are actually disbursed.
The BPJS Ketenagakerjaan programme that workers can withdraw after resigning is the JHT or Jaminan Hari Tua programme. Although this programme is intended for old-age protection, claims can be submitted upon resignation. As stated on its official website, individuals who resign or are subject to PHK (Pemutusan Hubungan Kerja) fall under the criteria for submitting JHT claims.
Nevertheless, it should be noted that claims cannot be submitted immediately after resigning. Several requirements must first be met before the claim can be processed. Once the requirements are fulfilled, your JHT balance can be withdrawn.
So, how long does it take to withdraw BPJS Ketenagakerjaan after resigning? To find the answer, you need to understand the requirements and procedures in the following guidelines. Let’s take a close look!
Requirements for Withdrawing BPJS Ketenagakerjaan After Resignation
Withdrawing BPJS Ketenagakerjaan for the JHT programme after resigning requires a considerable amount of time. This is due to the regulations that must be followed before making a claim. According to the official BPJS Ketenagakerjaan website, an individual who resigns must wait one month after the resignation before they can submit a JHT claim.
Based on the same source, here are the requirements that must be met before withdrawing BPJS Ketenagakerjaan after resigning:
The participant submitting the claim has resigned or been subject to PHK from their place of employment.
They have been officially registered as a JHT participant and paid contributions for at least six months.
They have passed the one-month waiting period after resignation or PHK.
They have not obtained employment at another company during that waiting period. If they have, the JHT balance will accumulate with the new company.
They have completed the required documents for submitting the JHT claim.
Documents Required for JHT Claims
One of the requirements that must be met before withdrawing BPJS Ketenagakerjaan after resigning is completing the necessary documents. Therefore, it is important to know what documents are required for JHT claims. Citing the same website, there are two categories for submitting JHT claims for employees who resign: voluntary resignation and PHK.
- Voluntary Resignation
For those who leave employment by resigning voluntarily, the following documents are required for submitting a JHT claim:
BPJS Ketenagakerjaan Participant Card
Identity card (KTP) or other proof of identity
Resignation letter from the employer
NPWP, for participants with a balance exceeding 50 million or those who have previously submitted partial claims
- Termination of Employment (PHK)
For those who leave employment or resign due to PHK from the company, the following documents are required:
BPJS Ketenagakerjaan Participant Card
Identity card (KTP) or other proof of identity
Proof of termination of employment, in the form of one of the following: (1) Acknowledgement of termination report from the government agency handling labour affairs, (2) Termination report letter from the employer to the government agency handling labour affairs, (3) Termination notice from the employer and a statement from the worker not objecting to the PHK, (4) Joint agreement signed by the employer and worker/labourer, and (5) Excerpt or decision from the industrial relations court.
NPWP, for participants with a balance exceeding 50 million or those who have previously submitted partial claims
JHT Claim Procedure
After understanding the requirements and necessary documents, you also need to know the claim submission procedure. From the service location to the application or portal used, to the steps involved, you must be aware of them. The same source states that JHT claims can be submitted directly at the nearest BPJS office or online via the Lapak Asik portal.
Here is the procedure for submitting JHT claims through the two methods mentioned above:
- Visiting the Nearest Service Office in Person
Bring all required documents when visiting the nearest BPJS Ketenagakerjaan service office in person.
Fill out the JHT claim submission form available.
Take a queue number.
When your number is called, your submission will be handled by the staff.
After the claim submission is processed, the staff will provide you with a receipt. Keep it for checking the status.
If the claim submission is approved, the JHT balance will be deposited into the account you registered.
If it has not been deposited, check the submission status by entering your KPJ number from the receipt proof on the following website: https://www.bpjsketenagakerjaan.go.id/tracking
- Online via the Lapak Asik Portal
Access the JHT claim service portal on Lapak Asik or the following link: https://lapakasik.bpjsketenagakerjaan.go.id/
Fill in your personal details on the appearing page, including NIK (Nomor Induk Kependudukan), full name, and BPJS Ketenagakerjaan participant number.
Upload the complete required documents for the JHT claim submission.
Also upload a recent front-facing photo in JPG/JPEG/PNG/PDF format with a maximum size of 6 MB.
Confirm the submission by ensuring the entered data and uploaded documents are correct, then click “save”.
The schedule for your online interview regarding the claim submission will then be sent via email.
Conduct the interview via video call after being contacted by the staff according to the previously sent schedule.
If the entire process is complete