How to Check Your JHT Balance and Withdraw BPJS Ketenagakerjaan Funds in 2026, Possible Without an Experience Letter (Paklaring)

Author KOMPAS.com – The JHT balance of BPJS Ketenagakerjaan can now be checked and withdrawn directly via a mobile phone. Participants are no longer required to attach a paklaring (employment reference letter) to submit a claim for the Jaminan Hari Tua (JHT).

This convenience has seen many workers begin looking for how to check the JHT BPJS Ketenagakerjaan balance and the procedure for online withdrawal via the Jamsostek Mobile (JMO) app.

So, how to check and withdraw the JHT BPJS Ketenagakerjaan balance via a mobile phone in May 2026?

The JHT balance comes from the accumulation of contributions by participants and employers paid monthly during active employment.

Therefore, it is important to check the JHT balance regularly to ensure contributions are paid on time and the funds continue to grow in accordance with the rules.

Subsequently, the system will display details of the JHT balance, membership status, and the welfare programme in which the participant participates.

This policy makes the claim process more practical because participants no longer need to handle an employment letter from their old office.

However, participants must still ensure their membership data is accurate and prepare the primary documents to ensure smooth verification.

After submission, participants can monitor the withdrawal status via the ‘Claim Tracking’ feature.

With the digital service through the JMO app, participants can now check balances and withdraw BPJS Ketenagakerjaan JHT online with a simpler and more practical process.