Knowing How to Liquidate BPJS Employment 10 Percent for Retirement Preparation

Illustration of how to redeem 10 percent of the labor sector social security (antaranews)

YOGYAKARTA - Many workers are confused about how to withdraw 10 percent of the BPJS Employment when they are still actively working. In fact, the Old Age Security Fund can be very helpful to meet various financial needs.

Indeed, this claim process requires a deep understanding of the document requirements and official procedures. For that, let's take a look at the following practical steps so that your claim submission goes smoothly without any technical obstacles

What is the JHT 10 Percent Payment?

Dilansir VOI dari laman BPJS Ketenagakerjaan, berdasarkan regulasi yang berlaku, peserta program Jaminan Hari Tua (JHT) diperbolehkan mengambil sebagian saldo mereka sebelum mencapai usia pensiun.

The absolute requirement for the disbursement of funds is that participants must have a minimum membership period of 10 years.

The withdrawal of this 10% balance is intended as preparation for retirement or other urgent needs. However, keep in mind that partial withdrawal of JHT can only be done once during the membership period.

Requirements of Documents to be Prepared

Before you practice how to liquidate the 10 percent BPJS Employment, then you should prepare administrative documents. The documents attached are photocopies showing the original file:

Original BPJAMSOSTEK Participant Card (KPJ). E-KTP as proof of identity. Latest Family Card (KK). Savings Book (Account number must be active and in the name of the individual). Letter of Confirmation of Still Active Working from the company or letter of confirmation of leaving work. NPWP (If there is, especially for balances above Rp. 50 million so that tax deductions are lighter).How to Claim JHT 10%

There are several ways to make BPJS Employment claims 10 percent, including online, visiting the branch office, priority claims, and Bank Kerjasama Services.

Well, specifically for online and branch claims, VOI has written through an article entitled How to Claim JHT 10 Percent Fast and Sure to Be Liquid. Here's how to claim the last two methods:

Priority Claim Procedure at Branch Office

BPJAMSOSTEK provides Priority Claim services for participants with certain conditions so that they can get special queues. The criteria for special participants include:

Participants in a pregnant condition. Elderly (Advanced Age). Participants who are not healthy or are sick.

Some steps for submitting a Priority Claim:

Come to the service office during operating hours (08.00 - 15.30 weekdays). Prepare photocopies and show the original documents. Tell your condition to the officer to get a special queue number. Follow the verification process of the file and interview by the officer. After completion, the funds will be disbursed through the attached account. Bank Cooperation Service (SPO)

In addition to the branch office, claim submissions can also be made through the Bank Kerjasama (Service Point Office). This method is intended for participants who reach retirement age, resign, or are laid off.

The procedure is similar to the claim at the branch office, where you just have to go to the bank that works with you by bringing complete documents. Bank officers will verify and interview before the disbursement process is processed.

By understanding how to liquidate the 10 percent BPJS Employment and following the correct procedures, both through priority claims and cooperation banks, your funds will be liquid without constraints.