How to Claim Work Accident Insurance: Check Out the Steps!

Based on official information from the Ministry of Manpower (Kemnaker), here is how to claim work accident insurance.

First Step

• Notification to:

• Personnel Development Officer

• Kemnaker

• Local Manpower Office (Disnaker)

• BPJS Ketenagakerjaan and/or BPJS Kesehatan

• Notification can be submitted by:

• Participant

• Family

• Workers’ union at the employer’s workplace

• Healthcare facility

• Certain group/container

Second Step

• Report to:

• Participant

• BPJS Ketenagakerjaan

• Report submitted by:

• Employer

• Project Implementation Unit (PPK)

• PBU Participant

• Required documents:

• Using the Work Accident Stage 1 Form

• Reporting time:

• Maximum 1x24 hours

Third Step

• Conclusion of KK/PAK or not KK/PAK:

• KK: Work Accident

• PAK: Work-Related Illness

• Conclusion process maximum 30 days:

• KK: Concluded by BPJS Ketenagakerjaan

• PAK: Concluded by the treating/examining doctor at the healthcare facility

*Note: BPJS Ketenagakerjaan covers healthcare services from the suspicion of an incident until the conclusion.

Requirements for Recipients of BPJS Ketenagakerjaan Pension Funds

According to the official BPJS Ketenagakerjaan website, pension insurance is a protection programme from BPJS Ketenagakerjaan, provided to participants to maintain a decent livelihood when the participant loses or has reduced income due to reaching retirement age.

The pension insurance allows BPJS Ketenagakerjaan participants to no longer worry about future finances, as they receive monthly cash benefits from the time they reach retirement age until death.

The BPJS Ketenagakerjaan pension cash can be given to:

• Retired participants

• Widowed/divorced heirs

• Participant’s children

• Participant’s parents (if the participant is unmarried and has no children)

The provision of BPJS Ketenagakerjaan pension can only be realised if the participant has met the minimum contribution period of 15 years.