How Long Is The Disbursement Of BPJS Ketenagakerjaan? Check Processes And Conditions

YOGYAKARTA - For workers who are resigning or affected by layoffs (PHK), the Old Age Security (JHT) program from BPJS Ketenagakerjaan is one that is expected to help their living needs before returning to work. JHT provides financial certainty in the form of cash funds.

The amount of JHT's benefits comes from the total amount paid plus the results of its development. However, JHT disbursement cannot be done instantly. There are rules that regulate when and how funds can be disbursed.

Based on the applicable regulations, participants who have stopped working can only submit JHT claims after passing a waiting period of one month. This waiting period is calculated from the date the company officially issued the resignation letter.

After the waiting period is complete, the disbursement process can be continued according to the category of participant balances. For JHT balances below Rp. 10 million, disbursement generally only takes a maximum of one working day. This process applies if all required documents are complete and verified.

However, for the balance above Rp10 million, disbursement takes longer. BPJS Ketenagakerjaan set the process to a maximum of up to five working days. This estimated time starts when the participant documents are declared complete and valid.

The disbursement mechanism depends on the amount of JHT balance. Disbursement of JHT with a balance below Rp. 10 million can be done online through the Jamsostek Mobile (JMO) application. Participants only need to make sure their personal data has been updated in the application.

After that, claims can be submitted by uploading the required documents. As for participants with balances above Rp. 10 million, participants are required to visit the BPJS Ketenagakerjaan branch office to complete the process. This direct presence aims to strengthen participant data verification.

Terms For Disbursement Of JHT BPJS Ketenagakerjaan

In order for the disbursement to run smoothly, participants must complete the required document requirements. These documents include ID cards, BPJS Ketenagakerjaan participant cards, savings books, and family cards. For balances above Rp50 million or partially claims, participants are also required to attach NPWP.

Currently, BPJS Ketenagakerjaan no longer requires a work certificate (paklaring) as the main requirement. However, if participants still have the document, it is still allowed to be included. This additional document can help speed up the data verification process.

In addition to documents, participants must also ensure that bank account data is in accordance with the name of the owner of the BPJS Ketenagakerjaan account. The discrepancy in account data can hinder the disbursement process.

JHT Disbursement Steps

Untuk klaim online melalui aplikasi JMO, peserta dapat mengikuti langkah-langkah berikut. Pertama, download aplikasi JMO melalui Play Store atau App Store dan lakukan login menggunakan data pribadi. Setelah berhasil masuk, pilih menu Jaminan Hari Tua, kemudian klik Klaim JHT.

Furthermore, participants are asked to choose the reasons for claims according to conditions, such as resign or retirement. The required documents must be uploaded in full to the system. If the data is appropriate, the disbursement will be processed directly to the registered bank account.

Meanwhile, participants who choose offline claims are required to bring all required documents to the BPJS Ketenagakerjaan branch office. Officers will verify the data directly before disbursement is made.