How to Withdraw BPJS Ketenagakerjaan Funds Without Resigning: Requirements and Procedures

Many workers believe that BPJS Ketenagakerjaan funds can only be withdrawn upon resignation, termination of employment (PHK), or retirement. However, active members can claim a portion of their Old Age Security (JHT) balance under specific conditions set by BPJS Ketenagakerjaan.

This facility provides a solution for members needing additional funds without having to stop working. One of the most utilised benefits is withdrawing part of the JHT balance for home purchase. Additionally, members meeting eligibility criteria can claim up to 10% of their balance. Here are the requirements and procedures for withdrawing BPJS Ketenagakerjaan funds without resigning.

Requirements for Claiming 10% of JHT

Active BPJS Ketenagakerjaan members can claim up to 10% of their total balance. Required documents include:

1. BPJS Ketenagakerjaan membership card, digital or physical.

2. Identity card (KTP) or other valid ID proof.

3. Tax Identification Number (NPWP) for balances exceeding Rp50 million or previous partial claims.

Note: Partial withdrawals may incur progressive tax on future claims if the interval exceeds two years.

Requirements for 30% JHT Withdrawal for Cash Home Purchase

Members purchasing a home outright can withdraw up to 30% of their JHT balance. Required documents:

1. BPJS Ketenagakerjaan membership card (digital or physical).

2. Identity card (KTP) or other ID document.

3. Sale and Purchase Agreement (PPJB) or Deed of Sale (AJB).

4. Tax Identification Number (NPWP) if available and balance exceeds Rp50 million.

Requirements for 30% JHT Withdrawal for Mortgage Home Purchase

For home purchases via credit, members must provide:

1. BPJS Ketenagakerjaan membership card.