BPJS Employment Claim Without Employment Certificate, Here Are the Required Documents

Kapanlagi.com - Claiming the Old Age Security (JHT) balance from BPJS Employment is no longer hindered by the requirement of an employment certificate or work confirmation letter. For those of you who may have experienced termination or resigned without obtaining such a letter, don't worry!

The Deputy of Communication at BPJS Employment, Oni Marbun, revealed that participants can now submit JHT claims by simply attaching other documents that prove you have worked at the company, such as an employee ID card or resignation letter. This policy is expected to provide a solution for workers facing administrative hurdles after leaving their jobs.

This article will comprehensively discuss the requirements and procedures for claiming BPJS Employment without an employment certificate, whether through branch offices, the JMO application, or online via Lapak Asik. Check out the complete explanation to get the guidance you need, summarized by Kapanlagi.com from the bpjsketenagakerjaan.go.id website on Friday (1/3).

1. What is JHT BPJS Employment?

Old Age Security (JHT) is a social protection program that offers financial security for workers when entering retirement, facing permanent total disability, or in the event of death. The JHT funds accumulate from monthly contributions paid during the active working period, and participants can withdraw them after stopping work or retiring.

Interestingly, the accumulated balance not only comes from contributions but also from the management of funds by BPJS Employment. Participants can enjoy the convenience of withdrawing the full JHT balance after one month of stopping work, whether due to layoffs, resignation, or other reasons.

To enhance convenience, fund withdrawals can also be done in various ways, ranging from visiting BPJS branch offices, using the JMO application, to the online service Lapak Asik, so participants do not need to hassle of coming directly to the office.

2. Requirements for Submitting JHT Claims Without Work Reference

BPJS Ketenagakerjaan participants who do not have a work reference can still withdraw their JHT balance by completing the following documents:

1. Original BPJS Ketenagakerjaan participant card.
2. Identity Card (KTP) or other valid identification.
3. Family Card (KK).
4. Tax Identification Number (NPWP) for balances over Rp50 million.
5. Other evidence such as employee ID card, pay slip, or resignation letter from the company.

These documents serve as a substitute for a work reference and still validate the participant's membership status while working at the related company. Incomplete documents may delay the claims process, so it is important to ensure that all requirements are met.

3. BPJS Ketenagakerjaan Claims Procedure Without Work Reference

The process of claiming the BPJS Ketenagakerjaan JHT balance without a work reference can be done through three methods: visiting the branch office directly, using the JMO application, or through the Lapak Asik online.

Through the Branch Office:

1. Visit the nearest BPJS office with complete documents.
2. Fill out the JHT claim form and take a queue number.
3. Participate in the data verification session and interview with the officer.
4. After verification, the JHT balance will be transferred to the account within 1-5 working days.

Through the JMO Application:

1. Download the JMO application from the Play Store or App Store.
2. Login and select the "Old Age Guarantee" menu.
3. Complete personal data, biometric verification, and upload documents.
4. Click confirm and monitor the claims process through the "Claim Tracking" menu.

Through Lapak Asik:

1. Open the website lapakasik.bpjsketenagakerjaan.go.id.
2. Fill in personal data, upload documents, and double-check the filled data.
3. Wait for the online interview schedule with the BPJS officer for verification.
4. After passing verification, the balance will be transferred to the account.

4. How Long Does the JHT Claim Process Take?

The JHT claim process is now more flexible, with completion times varying depending on the balance and the method of submission. If your balance is below Rp10 million and submitted through JMO, you can enjoy disbursement in a short time, only 1-2 working days.

However, for balances above Rp10 million submitted through Lapak Asik or branch offices, be prepared to wait around 5 working days. The speed of this process is also greatly influenced by the completeness of the documents you submit, so make sure all files are ready to ensure your claim goes smoothly.

5. Tips for Submitting Claims Without Issues

To ensure the JHT claim process runs smoothly, here are some tips that can be applied:

1. Ensure all documents are complete and meet the requirements.
2. Double-check the validity of personal data before submission.
3. Keep a digital copy of documents to facilitate online uploading.
4. Choose the claim method that best suits your needs and comfort.
5. Monitor the claim status regularly through the JMO app or the Lapak Asik portal.

6. Can BPJS Employment benefits be withdrawn without a resignation letter?

Participants now have the freedom to use alternative documents, such as Employee Identity Cards or resignation letters, as valid substitutes.

7. How long does the JHT BPJS Employment withdrawal process take?

The fund withdrawal process can vary, ranging from 1 to 5 working days, depending on the available balance and the submission method chosen.

8. What documents are needed for a claim without a resignation letter?

Make sure you have your BPJS Card, ID Card (KTP), and Family Card (KK) on hand. Don’t forget to also include proof of employment, such as pay slips or resignation letters, to ensure all your administrative matters go smoothly.

9. Can JHT claims be made online?

You can easily manage your balance through the JMO application if the amount is below Rp10 million. However, for those with a balance of more than Rp10 million, Lapak Asik is ready to provide the assistance you need.

(kpl/rmt)