How to Withdraw BPJS Employment Old-Age Benefits Without Resigning
Jakarta, CNBC Indonesia — Funds from BPJS Ketenagakerjaan’s Old-Age Security (JHT) programme can be withdrawn without retiring or leaving a job. Members can now access part of the funds while still working.
The rules are set out in Article 22 of Government Regulation No. 46/2015, as amended by Government Regulation No. 60/2015. Only part of the balance can be withdrawn: 10% for purposes such as preparing for retirement, or 30% to buy a house, either in cash or on credit.
BPJS Ketenagakerjaan members seeking a partial withdrawal must meet several requirements, including having been members for at least 10 years. They must also prepare the following documents:
10% partial claim
BPJS Ketenagakerjaan (BPJAMSOSTEK) membership card.
Electronic identity card (e-KTP) or other official proof of identity.
Taxpayer identification number (NPWP), required for balances above Rp 50 million or for anyone who has previously made a partial claim.
Note: A partial withdrawal may result in progressive tax being charged on a subsequent JHT withdrawal if more than two years have passed between withdrawals.
30% partial claim (cash home purchase)
BPJS Ketenagakerjaan membership card and e-KTP.
Sale and Purchase Binding Agreement (PPJB) or Deed of Sale and Purchase (AJB).
NPWP, if the balance is above Rp 50 million.
30% partial claim (credit or mortgage scheme)
BPJS Ketenagakerjaan membership card and e-KTP.
NPWP, if the balance is above Rp 50 million.
Banking documents: a credit offer or mortgage agreement, a copy of the standing instruction, the member’s bank account details, and a statement of the outstanding loan balance, according to whether the funds are intended for financing or repayment.
If the property is in a spouse’s name, the applicant must provide the spouse’s identity card or family card, along with a declaration that the asset is being purchased in the name of their legal spouse.
BPJS Ketenagakerjaan requires members to meet one of the following criteria:
Reaching retirement age (56, or the age stipulated in the company collective labour agreement).
The expiry of a fixed-term employment agreement (PKWT).
Ceasing business operations, for self-employed members (BPU).
Resigning or being affected by termination of employment (PHK).
Leaving Indonesia permanently.
Becoming permanently totally disabled or dying.
How to withdraw BPJS Ketenagakerjaan funds online
Lapak Asik portal (for members who have retired, resigned or been affected by termination of employment)
Visit lapakasik.bpjsketenagakerjaan.go.id.
Enter personal details, including the national identity number (NIK), full name and membership number.
Upload the required documents and a recent photograph (JPG, JPEG, PNG or PDF, up to 6 MB).
Save the application and wait for confirmation of an online interview schedule by email.
An officer will verify the information by video call. The funds will be transferred to the member’s bank account once verification is complete.
JMO (Jamsostek Mobile) app
Open the JMO app and log in to the registered account.
Select the Old-Age Security menu, then tap “Claim JHT”.
Check that the claim criteria are met, as indicated by a green tick.
Select a reason for withdrawal, confirm personal details and complete a selfie verification.
Enter NPWP and an active bank account number, then tap “Confirm”.
Track the claim status in real time using the Claim Tracking feature. Processing generally takes one to three working days.