No Need to Resign: How to Withdraw BPJS Employment Funds While Still Working
Many workers still believe that Old-Age Security (JHT) funds from BPJS Ketenagakerjaan can only be withdrawn after resigning or being made redundant. In fact, members who are still actively employed also have the opportunity to withdraw part of their JHT balance, provided they meet the stipulated requirements.
This facility can be used to help meet certain needs without having to lose one’s status as an employee.
The rules on partial JHT withdrawals have been set out in government regulation. Members with a minimum membership period of 10 years may claim part of their JHT balance as preparation for entering retirement.
However, there are a number of requirements, maximum withdrawal limits and documents that must be fulfilled before the application process can be carried out.
BPJS Ketenagakerjaan members may apply for a partial JHT withdrawal under two options: a maximum of 10 per cent of the balance for other purposes, or a maximum of 30 per cent of the balance for home ownership needs.
That said, this facility can only be used once by each member. In addition, a partial withdrawal may affect tax obligations when the member submits a subsequent claim, if carried out with a certain gap in between.
For this reason, members should consider their needs carefully before deciding to withdraw part of their JHT balance.
Requirements for claiming JHT from BPJS Ketenagakerjaan without resigning
To apply for a partial JHT claim, members must meet the main requirement of having been a BPJS Ketenagakerjaan member for at least 10 years. Once this requirement is met, members may choose the type of claim according to their needs, namely:
A maximum 10 per cent claim for purposes other than home ownership.
A maximum 30 per cent claim for home ownership purposes.
How to claim 10 per cent of JHT from BPJS Ketenagakerjaan
Members wishing to withdraw a partial JHT of up to 10 per cent need to prepare a number of documents as administrative requirements, namely:
BPJS Ketenagakerjaan card.
Electronic identity card (KTP).
Family card (KK).
Bank passbook.
Certificate of employment or cessation of employment.
Tax identification number (NPWP), if applicable.
Once all documents are confirmed complete, the claim application can be submitted online via the JMO application or in person at the nearest BPJS Ketenagakerjaan branch office.
How to claim 30 per cent of JHT from BPJS Ketenagakerjaan for housing