Learn how to easily withdraw BPJS Employment, both online and offline, and wise tips for using the withdrawal funds for the future.
BPJS Ketenagakerjaan is one of the social security programs that is very important for every worker in Indonesia. Through this program, participants will get protection while working, especially when facing retirement or events that affect their income.
One of the benefits of the BPJS Ketenagakerjaan program is the Old Age Security (JHT) which can be disbursed if participants meet certain requirements.
If you want to know how to disburse BPJS Ketenagakerjaan, both online and offline, as well as tips for utilizing BPJS Ketenagakerjaan disbursement money, this article will provide a complete guide.
How to Withdraw BPJS Employment Online
Technological advances have made it possible for many administrative matters to be completed easily via the internet, including the disbursement of BPJS Employment.
One of the platforms that facilitates online JHT disbursement is Lapak Asik. Here are easy steps to disburse JHT funds online:
1. Access the Lapak Asik Site
The first step that needs to be done is to visit the official Lapak Asik website at lapakasik.bpjsketenagakerjaan.go.id.
Here, you will be asked to enter personal data such as your Population Identification Number (NIK), full name, and your BPJS Ketenagakerjaan membership number.
2. Upload Required Documents
After entering your personal data, you need to upload the required documents. Some documents that must be uploaded include KTP, BPJS Ketenagakerjaan card, savings book, and a selfie of you with your KTP.
Make sure that the document files you upload are in an acceptable format such as JPG, JPEG, PNG, or PDF.
3. Data Confirmation and Verification
Once the data and documents are uploaded, make sure to double-check that all the information provided is correct and complete. Click the “Save” button, and the system will verify the data you provided.
4. Interview Schedule
After the verification process, you will receive an email containing an online interview schedule. In this interview, BPJS Ketenagakerjaan officers will contact you via video call to verify the information and documents you have uploaded. Don’t forget to prepare the original documents during the interview session.
5. Liquid Process
After the interview is complete, you just need to wait for the next process. Your JHT funds will be transferred directly to the bank account you listed in the previous document.
How to Withdraw BPJS Employment Funds Offline
For those of you who are more comfortable with the direct process, BPJS Ketenagakerjaan also provides offline disbursement services. Here are the steps that need to be taken:
1. Visit the BPJS Employment Office
The first step is to come to the nearest BPJS Ketenagakerjaan branch office. Don’t forget to bring complete required documents, such as KTP, BPJS card, e-KTP, Family Card (KK), and your savings book.
2. Registration and Form Completion
Once you arrive at the office, tell the officer that you want to withdraw JHT funds. The officer will provide a form that you need to fill out completely. Make sure to write the information clearly and in accordance with the data registered in the system.
3. Data Verification
After filling out the form, submit your documents to the officer for verification. The officer will ensure the eligibility of your claim submission according to the applicable requirements.
4. Queue and Interview Process
After verification, you will be given a queue number. Wait for your turn for a short interview session with the officer, who will usually ask you why you are cashing out JHT.
5. Confirm and Wait for Funds to be Disbursed
Once the interview is complete, the officer will confirm your application. JHT funds will be transferred directly to your bank account within a few business days.
Criteria and Conditions for Disbursing BPJS Employment
Before disbursing BPJS Ketenagakerjaan funds, there are several requirements that you must meet. These requirements may differ depending on your status as an active or inactive worker.
Active Worker If you are still working in a company, you can still withdraw some of your BPJS Ketenagakerjaan funds, even though you cannot withdraw all of them. Here are the requirements that must be met:
- BPJS Employment Card
- Copy of ID card
- Copy of Family Card (KK)
- A certificate from the company where you work
- Saving book
However, if you are still working, you can only withdraw a portion of the funds. Usually, only 10% of the total balance can be withdrawn, unless it is used for a specific purpose such as a home loan (KPR), then you can withdraw up to 30%.
Inactive Workers For workers who have stopped working or retired, the requirements for full disbursement of JHT are as follows:
- Termination letter or certificate of termination of employment
- BPJS Employment Card
- ID card
- Photocopy of Family Card
- Saving book
- 3×4 and 4×6 size passport photos
Once the documents are complete, you can immediately apply for disbursement of funds to the BPJS Ketenagakerjaan office or follow the online procedure.
Tips for Utilizing BPJS Employment Disbursement Money
After the BPJS Ketenagakerjaan disbursement is complete, you can use the funds wisely. Here are some tips that can help you maximize the use of disbursement funds:
1. Continuing Education
One of the best ways to use BPJS Ketenagakerjaan money is to continue your education. Using these funds for courses or continuing your education to a higher level can open up wider career opportunities and improve your professional skills.
2. Starting a Business
If you have an interest in starting a business, the money disbursed can be used as business capital. By preparing a mature business plan, this fund can help you start a business without having to seek loans.
3. Investment for the Future
Investing is a smart way to secure your financial future. You can use the cash to invest in various financial instruments such as stocks, bonds, or mutual funds that have the potential for future profits.
4. Saving for Future Needs
If you do not have plans to continue your education or start a business, saving BPJS Ketenagakerjaan money is a wise choice. By saving, you can have a reserve fund for urgent needs or as preparation for the future.
Disbursing BPJS Ketenagakerjaan funds can be done easily, either online through Lapak Asik or directly to the BPJS Ketenagakerjaan branch office.
Make sure you have met all the necessary requirements, both as an active worker and as an inactive worker, to ensure your eligibility and continued coverage under BPJS Health.
After receiving the disbursement funds, use the money wisely for more productive purposes, such as continuing education, starting a business, or investing for the future.