Time Limit For BPJS Employment Death Guarantee And Disbursement Procedures

YOGYAKARTA - Many workers may be wondering, "What is the deadline for claiming the death of BPJS Ketenagakerjaan if our family members die?"

This question is natural given the importance of the benefits offered by this program, especially in difficult situations to lose loved ones. This article will provide a clear explanation of the time limit for the guarantee claim.

Reporting from the official BPJS Employment website, in addition to providing financial protection when retiring or losing work, BPJS Ketenagakerjaan also provides safety nets for families left by participants.

The Death Security Program is designed to ease the financial burden of heirs, especially in the face of various religious rituals or customs that generally require large costs, such as tahlilan, Ngaben, or Solo Rambu.

Based on Law Number 40 of 2004 concerning SJSN, BPJS Ketenagakerjaan has an obligation to provide social protection to workers and their families.

One form of protection is Death Security (JKM). This guarantee is a program that provides compensation to the heirs of the participants who died.

The purpose of JKM is very clear, namely to ensure that the bereaved family can meet their daily needs and not fall into economic difficulties due to the departure of their loved ones.

The heirs will receive death compensation of Rp. 20 million, funeral expenses of Rp. 10 million, and regular compensation of Rp. 12 million which will be paid at once.

In addition, the participant children are also entitled to educational scholarships of up to IDR 174 million, which can be used for education costs until they are 23 years old or working. However, this scholarship has special requirements related to the participant's contribution period (minimum 3 years) and the cause of death (due to work accidents).

More complete information, read the article on How to Claim Employment BPJS Work Accidents along with Terms and Amount of Money received

Through its official website, it is not explained regarding the deadline for JKM claims, but that death compensation will be transferred to the heir bank account no later than three working days.

However, death compensation will be sought after all administrative requirements are declared complete by BPJS Ketenagakerjaan.

There are several conditions and procedures for claiming compensation for the death of BPJS Ketenagakerjaan, as follows:

The heirs who can file JKM claims include the partner (husband/wife) or biological child of the participant.

However, if not, compensation can be taken by other heirs who are recognized as parents, grandparents, grandchildren, siblings, in-laws, or parties who have been appointed by the participants through a will.

All heirs are required to complete the required documents which include BPJS Ketenagakerjaan, e-KTP participating cards, death certificates, and heir certificates.

Application for JKM claims itself can only be carried out directly at the BPJS Ketenagakerjaan branch office, as for several procedures that must be passed including:

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