How to Withdraw Taspen Funds? Read the Complete Guide

Tue, 14 Apr 2026, 14:11 WIB | Source: DETIK_JOGJA | Social Policy

Withdrawing funds from the Civil Servants’ Savings and Insurance (Taspen) is an important matter for participants and their heirs, especially when the participant has passed away and the heirs need those funds. Although it may seem quite complicated, the Taspen withdrawal process can be carried out easily as long as the applicable requirements and procedures are understood.

Many people are still confused about the documents that must be prepared when submitting a Taspen claim. Moreover, the submission flow. However, the completeness of the files and understanding of the procedures are certainly very important to ensure the withdrawal process runs smoothly without obstacles.

Therefore, detikJogja will share a complete guide to Taspen claims, starting from the requirement documents and the procedures. Let’s read the complete explanation below!

What is Taspen?

Taspen is known as funds given to civil servants (ASN) and state officials who have retired. As explained on its official website, Taspen is an acronym for Civil Servants’ Savings and Insurance Funds. With that same name, Taspen is also an Indonesian State-Owned Enterprise (BUMN) operating in the field of retirement savings insurance and pension funds for ASN and state officials.

Taspen provides several programme options, including the following.

Old Age Savings (THT): a dual-purpose insurance programme whose benefits are given when the participant enters retirement and is equipped with life insurance protection in case of the risk of death.
Pension Programme: a guarantee programme in the form of regular monthly income received by the participant after entering retirement, including benefits that can be continued to the spouse or children if the participant dies.
Work Accident Insurance (JKK): a protection programme provided for the risk of accidents at work or illnesses arising from work, with benefits in the form of treatment costs, compensation, and disability allowances.
Death Insurance (JKM): a protection programme for participants who die not due to work accidents, with benefits in the form of death compensation, condolence money, and education assistance for heirs.

Taspen Claim Requirement Documents

Before submitting a claim, ensure that the requirement documents are prepared completely. Considering that Taspen programmes are not only pension funds, there are several differences in documents that need to be noted. In detail, here are the documents required for submitting Taspen claims based on the programme.

Documents for Retirement and Old Age Savings (THT) Submission

Payment Request Form (FPP)
Retirement Decision Letter
Original SKPP sheet from the Regional Government (PEMDA), except for central
Photocopy of the applicant’s identity (ID card)
Photocopy of the applicant’s bank book
Photocopy of NPWP
Photocopy of School Certificate (SKS) for those with children aged over 21 to 25 years

The above documents are for the first retirement submission. Next, the following documents need to be attached for subsequent retirement (SP3L).

Fill out the Payment Request Form (FPP)
Identity Proof Acknowledgement Form (SPTB) authenticated by the Village Head / Head of Sub-district
Photocopy of the applicant’s identity (ID card)
Photocopy of the applicant’s bank book

Documents for Deceased Retirement Submission

Payment Request Form (FPP)
Photocopy of Retirement Decision Letter
Original SKPP sheet from PEMDA except for central, if the ASN died while active
If submitted by the child of the deceased ASN: certificate of unmarried and unemployed from the Village Head/Head of Sub-district, maximum age 25 years
If submitted by the guardian of the deceased ASN’s child under 18 years: guardianship certificate from the village head/sub-district head for blood relatives or from the district/religious court for non-relatives.
If submitted by the spouse of the deceased ASN: Identity Proof Acknowledgement Form (SPTB) authenticated by the Village Head / Head of Sub-district, and original School Certificate (SKS) for their children aged 21-25 years.
Photocopy of the applicant’s identity (ID card)
Photocopy of the applicant’s bank book

Documents for Work Accident Insurance Submission

Payment Request Form (FPP)
Applicant’s identity (ID card)
If the accident impact is only temporary: (1) Temporary Incapacity to Work Statement (STMB) from the Agency, (2) Temporary Incapacity to Work Statement (STMB) from the Health Examination Team, (3) Attendance Recap during incapacity to work, (4) Chronology of the work accident from the Agency
If experiencing permanent total disability: (1) Verification and validation results (verval) or decision on permanent total disability determination by BKN; (2) Permanent Disability Determination Decision from PPK (Civil Service Development Officer); (3) Permanent Total Disability Certificate from the treating doctor; (4) Certificate/recommendation from the health examination team that the participant has permanent total disability and is unable to return to work;
Applicant’s bank book

Documents for Death Insurance Withdrawal (ASKEM)

Payment Request Form (FPP)
Photocopy of Retirement Decision Letter
Death certificate issued by DUKCAPIL
Photocopy of Marriage Certificate/Proof of Marriage legalised by the Village Head/Head of Sub-district/KUA/DUKCAPIL
Photocopy of the applicant’s identity (ID card)
Photocopy of the applicant’s bank book

How to Submit a Taspen Claim

After all requirement documents are ready, the next step is to submit the claim to the nearest Taspen office. For that, here are the steps.

Prepare requirement documents based on the claim to be submitted and bring them to the nearest Taspen office.
Take a service queue number.
Submit the Taspen claim requirement documents to the officer, so they will be processed.
The officer will check the documents and validate the data.
If there are no issues, the withdrawal can be carried out immediately after approval by Taspen.

In some conditions, a person cannot come directly to the nearest Taspen office to submit a claim in person. For that, Taspen also provides digital services through the Tos Taspen website. Here is how to submit via the Tos Taspen digital service:

View JSON | Print