JHT BPJS Can Be Withdrawn Up to Rp10 Million, Check the Complete Guide and Requirements

Kapanlagi.com - After the Eid period is over, many workers feel the impact of a thin wallet due to increased expenses. From the need to return home to daily consumption, it often results in the Holiday Allowance (THR) being completely spent. In situations like this, additional funds are certainly very helpful.

The good news is that for active participants of BPJS Employment, there is an opportunity to withdraw funds up to Rp10 million through the Old Age Security (JHT) program without having to wait until retirement age. This is a smart solution for urgent financial needs after Eid.

Interestingly, this program allows for the withdrawal of a portion of the JHT funds, whether for personal needs or home ownership. So, what is the mechanism and who is eligible to file this claim? Here’s a complete explanation step by step.

1. 1. General Provisions for JHT Fund Disbursement BPJS

JHT is one of the social protection programs from BPJS Employment that provides benefits in the form of cash when participants retire, pass away, or experience total disability. However, now, disbursement can be partially made, even while participants are still working.

According to Government Regulation Number 46 of 2015, participants who have been registered in the JHT program for at least 10 years can apply for partial claims. This means that there is no need to wait until the retirement age of 59 years to withdraw funds.

This partial claim is divided into two: 10% for needs approaching retirement and 30% specifically for home purchases. However, there are certainly documents and administrative requirements that must be met to obtain this right.

2. 2. Requirements for 10% JHT Fund Claims for General Needs

JHT participants with active membership for 10 years can apply for disbursement of up to 10% of the total balance. This fund can be used for various purposes, such as education costs, post-Eid needs, and retirement preparation.

Documents that must be prepared include:

• BPJS Employment Participant Card
• ID card or official identification
• Tax Identification Number (NPWP) (specifically for those with a balance of more than Rp50 million or who have previously made a claim).

All of these documents must be attached during the application. It should be noted that this disbursement may be subject to progressive tax if made again within a period of more than two years after the first disbursement. Therefore, it is advisable for participants to plan the timing of their claims wisely.

3. 3. Requirements for Claiming 30% of JHT Funds for Home Purchase

If participants plan to buy a house, JHT funds can be withdrawn up to 30%. This applies to both cash purchases and through a credit system. This program is very helpful for those preparing their first home.

For cash purchases, the required documents include:

• BPJS Participant Card
• ID Card
• PPJB or AJB
• NPWP

Meanwhile, for credit purchases, participants must also prepare documents from the bank such as a credit offer letter, loan agreement, and standing instruction.

Interestingly, if the house is purchased in the name of a spouse (husband/wife), participants must include supporting documents in the form of the spouse's ID card/KK and a statement letter that the house is purchased in the name of the legitimate spouse. This step is important to avoid issues during verification.

4. 4. How to Withdraw JHT Funds Online and Offline

The disbursement of JHT funds can now be done through various channels: online, applications, or directly at branch offices. This method provides flexibility for participants in choosing the claim channel according to their preferences.

For online claims, participants simply visit https://lapakasik.bpjsketenagakerjaan.go.id, fill in their personal data, upload documents, and follow the schedule for a video call interview that will be arranged by BPJS officers.

Meanwhile, participants can also come directly to the branch office with original documents. The process starts with filling out a form, queuing, an interview, and waiting for the funds to be deposited into their account. This option is suitable for those who want to interact directly with the officers.

5. 5. How to Withdraw JHT via the JMO (Jamsostek Mobile) Application

One of the easiest and most practical ways is to use the JMO application. This application can be downloaded from the Play Store or App Store and is designed to simplify the claims process for participants.

The steps are quite simple. After logging in, go to the JHT Claim menu, select the reason for the claim, upload documents, take a selfie, and complete data such as NPWP and bank account number. If all data is valid, just click confirm and wait for the fund disbursement.

However, it should be noted that through the JMO application, participants can only withdraw funds up to a maximum of Rp10 million. If the JHT balance exceeds that amount, then disbursement must be done through the branch office or the online portal Lapak Asik.

6. Questions and Answers Related to JHT BPJS Disbursement

Q: Can JHT disbursement be done by workers who are still actively employed?

A: Yes, partial disbursement of JHT (10% or 30%) can be done by active participants as long as they have been registered for at least 10 years.

Q: Is there a maximum limit for disbursement through the JMO application?

A: Yes, disbursement through JMO can only be up to Rp10 million. If it exceeds that amount, it must be done through a branch office or the official BPJS website.

Q: Is it mandatory to have a Tax Identification Number (NPWP) to disburse JHT?

A: NPWP is only required for participants who have a balance of more than Rp50 million or who are applying for partial claims.

Q: Can a house in the name of a spouse be submitted in a 30% JHT claim?

A: Yes, as long as the participant includes the spouse's ID card, family card, and a statement letter that the house was purchased in the name of the legitimate spouse.

(kpl/frr)