Online JHT Claim Process: Quick and Practical Without Going to the BPJS Employment Office

Kapanlagi.com - Now, submitting a BPJS Employment claim has become easier and more practical with the introduction of online claim options! The process that used to require participants to come directly to the office can now be done from the comfort of your home. This is certainly very beneficial, especially for those of you who have a busy schedule or live far from the BPJS office. With this digital service, social security claims can be processed faster without having to queue at the branch office.

However, even though this convenience is offered, it is important to understand how to submit a claim and what documents need to be prepared. For BPJS Employment participants who want to know the complete claim procedure, both online and at the branch office, we have summarized important information for you. In this article, you will find practical steps to submit claims for JHT (Old Age Guarantee), Death Guarantee, Work Accident Guarantee, Pension Guarantee, and Job Loss Guarantee.

Let’s review the complete procedure so that you can maximize your rights as a BPJS Employment participant. Don’t miss this valuable information, specially summarized for you by Kapanlagi.com, Tuesday (4/8).

1. Old Age Guarantee Claim (JHT)

The Old Age Guarantee (JHT) is a benefit provided to participants of BPJS Employment who have met the requirements after stopping work. This can occur through termination of employment, retirement, or leaving Indonesia. Quoted from the bpjsketenagakerjaan.go.id website, here are the steps to submit an online JHT claim and at branch offices:

Criteria for Submitting JHT Claims:

• Participants who reach retirement age of 56 years or according to the provisions of the Collective Labor Agreement (PKB) of the company.
• Participants who resign, experience termination of employment (PHK), or leave Indonesia permanently.
• Participants who stop being Self-Employed (BPU) due to total permanent disability or death, partial claims of Old Age Guarantee (JHT) 10%, partial claims of Old Age Guarantee (JHT) 30%, and claims of Old Age Guarantee (JHT) PMI.

Documents Required for JHT Claims:

• BPJS Employment card.
• Photocopy of ID card (KTP).
• Photocopy of Savings Book.
• Resignation Letter or Termination of Employment (PHK) Letter.
• Retirement Age Certificate (if applicable).

JHT Claim Procedure at Branch Offices:

• Step 1: Participants must go to the nearest BPJS Employment office.
• Step 2: Fill out the claim form and submit the required documents such as the BPJS card, photocopy of ID card, savings book, and other supporting documents.
• Step 3: BPJS officers will verify the documents and direct participants for JHT disbursement according to the regulations.

Online JHT Claim Procedure:

• Step 1: Access the official BPJS Employment portal and log in with your account.
• Step 2: Select the type of JHT claim and complete the requested data online.
• Step 3: Upload the required claim documents, such as photocopy of ID card, BPJS card, and savings book.
• Step 4: Claim verification by BPJS, and the JHT funds will be disbursed to the participant's account after approval.

2. Death Guarantee Claim

Death Benefit (JKM) is provided to the heirs of BPJS Employment participants who have passed away. Here are the claim procedures:

Criteria for JKM Claim Submission:

• Legitimate heirs such as spouses or biological children entitled to this benefit.
• The required documents include a death certificate and the heir's identification documents.

Documents Required for JKM Claim:

• Death Certificate from the hospital or relevant authorities.
• Photocopy of the heir's ID card.
• Photocopy of the Family Card (KK).
• BPJS Employment card of the deceased.
• Photocopy of the heir's bank account.
• Death certificate from a doctor or authorized official, death certificate issued by the Representative of the Republic of Indonesia or KDEI, or a missing certificate from the Representative of the Republic of Indonesia or KDEI
• Heir certificate from an authorized official

JKM Claim Procedure at Branch Office:

• Step 1: The heir visits the BPJS office with the death certificate.
• Step 2: Submit documents such as photocopy of the heir's ID card, Family Card, and death certificate.
• Step 3: BPJS officers will process the claim and verify the data.
• Step 4: If the claim is accepted, the JKM funds will be immediately paid to the heir.

Online JKM Claim Procedure:

• Step 1: Log in to the BPJS Employment portal and select JKM claim.
• Step 2: Upload the required documents, including the death certificate and heir documents.
• Step 3: Wait for the online claim verification process.
• Step 4: Once the claim is approved, the funds will be disbursed to the heir's account.

3. Work Accident Guarantee Claim

Work Accident Insurance (JKK) provides protection to participants who experience accidents while working. Here are the claim procedures:

Criteria for Submitting JKK Claims:

• Participants who suffer a work accident that occurs during the BPJS Employment membership period.
• Submit a work accident report and supporting medical documents for the claim.

Documents Required for JKK Claims:

• Work accident report that has been submitted to the company and BPJS.
• Form 3 (Stage I Accident Report)
• Form 3a (Stage II Accident Report)
• Form 3b (Stage III Accident Report)
• BPJS Employment Card
• E-KTP
• Chronology of the Accident + photocopy of E-KTP for 2 witnesses
• Police report if it is a traffic accident
• Medical and treatment receipts
• Letter of assignment for external work/overtime (if the incident occurs outside work hours)
• Photocopy of attendance (if the accident occurs during work hours)
• Bank Book NPWP (balance over 50 million)

JKK Claim Procedure at Branch Office:

• Step 1: Report the accident to the BPJS Employment office.
• Step 2: Submit the work accident report and supporting medical documents.
• Step 3: BPJS Employment will verify the claim and determine the benefit amount.
• Step 4: After verification, the claim benefit will be paid according to applicable regulations.

Online JKK Claim Procedure:

• Step 1: Access the BPJS portal and select JKK claim.
• Step 2: Upload the required documents, including the work accident report and medical records.
• Step 3: Process the claim verification online.
• Step 4: Claim funds will be disbursed after approval.

4. Pension Guarantee Claim

The Pension Guarantee is given to participants who reach retirement age or according to applicable regulations. The following are the claim procedures:

Criteria for Submitting Pension Guarantee Claims:

• Participants who have reached retirement age of 56 years or according to company regulations.
• Participants who have stopped working or experienced layoffs.

Documents Required for Pension Guarantee Claims:

• BPJS Employment Card.
• Photocopy of participant's ID card.
• Photocopy of Savings Book.
• Retirement letter from the company (if retiring from work).
• Other documents in accordance with applicable regulations.

Pension Guarantee Claim Procedure at Branch Office:

• Step 1: Participants must come to the BPJS Employment office with the pension documents.
• Step 2: Fill out the pension claim form and attach valid pension documents.
• Step 3: BPJS will process the pension claim and provide an explanation regarding the amount of benefits received.

Online Pension Guarantee Claim Procedure:

• Step 1: Log in to the BPJS portal and select pension claim.
• Step 2: Complete the requested pension documents and upload them to the online system.
• Step 3: Claim verification by BPJS online.
• Step 4: Pension funds will be disbursed to the approved account.

5. Job Loss Guarantee Claim

The Job Loss Guarantee (JKP) provides protection to workers who experience termination of employment (PHK). Here are the claim procedures:

Criteria for Submitting JKP Claims:

• Participants who have experienced PHK and are registered in the JKP program.
• Submit the claim within the specified time after PHK.

Documents Required for JKP Claims:

• Termination of Employment (PHK) letter from the company.
• Photocopy of the participant's ID card.
• Photocopy of the participant's bank account.
• Certificate from the company stating the PHK.

JKP Claim Procedure at Branch Office:

• Step 1: Participants must bring the PHK letter and other documents to the BPJS Employment office.
• Step 2: Fill out the claim form and submit supporting documents.
• Step 3: BPJS will verify the claim and ensure its eligibility.
• Step 4: If the claim is accepted, the JKP funds will be disbursed immediately.

Online JKP Claim Procedure:

• Step 1: Log into the BPJS Employment portal and select JKP claims.
• Step 2: Upload documents related to the PHK and other supporting documents.
• Step 3: Wait for the online claim verification process.
• Step 4: JKP claim funds will be paid after approval.

6. FAQ

What are the requirements for claiming JHT BPJS Employment?

The requirements for claiming JHT BPJS Employment include retirement age, termination of employment, resignation, or death.

How long does it take to cash out the JHT claim?

The process of cashing out the JHT claim usually takes about 14 working days after the complete documents and verification are received by BPJS Employment.

What documents are needed for the JKM claim?

The documents required for the JKM claim include a death certificate, a photocopy of the heir's ID card, family card, and the deceased's BPJS card.

Can JKP claims be made online?

Yes, JKP claims can be made online through the BPJS Employment portal by uploading documents related to termination and other supporting documents.

How to file a Work Accident Insurance claim?

The JKK claim can be submitted by bringing the work accident report and medical records to the BPJS office or by filing a claim online through the official BPJS portal.

(kpl/rmt)