Social Security for Employment

Ensuring Workers Welfare

Agus Susanto
President Director

BACKGROUND

The Mandate
Indonesias Constitution 1945
Article 34 act 2 :
The state provides social security system for all citizens and empowers the people who are weak and incapable in accordance
with human dignity

Law 40/2004 , National Social Security System

Article 2 :
National Security System is delivered based on principles of humanitarian,
benefit and social justice for all the people of Indonesia

Law 3/1992
Employee Social Security
Article 3 act 2 :
Every worker has the right
to have employee social
security protection

Article 18:
Social security programs includes health benefit, occupational accident benefit,
provident fund, pension benefit and death benefit

Law 24/2011, Social Security Administering Body

Article 5 act 1:
The establishment of social security administering body
Article 5 act 2:
The social security administering bodies are:
1. BPJS Kesehatan (BPJS Health)
2. BPJS Ketenagakerjaan (BPJS employment)

What is BPJS Ketenagakerjaan?

BPJS Ketenagakerjaan
(Social Security Administrating Body for Employment)
Legal Basis

Law No. 40/2004 and

Law No. 24/2011

Status

Public Entity

Type of Organization

Social Security Institution

Direct Reported to

The President of the Republic of

Indonesia

Mandate

To provide basic protection for all

workers :

Old-Age Benefits

Employment Injury Benefits

Death Benefits

Pensions Benefits

Our Network

11 Regional Offices, 121 Branch Offices and 206 Supporting Branches in Remote Areas

Social Security Administering Body

Protection for all workers in

Indonesia

Health protection for all citizens of

Indonesia

Indonesias Social Security Agency

(Law no. 24/2011)

Coverage in BPJS Ketenagakerjaan

Formal
Workers

Informal
Workers

Foreign
Workers
Who works at least 6 months
in Indonesia

Image designed by freepik.com

Foreign Workers
In Indonesia

Total Foreign Workers as per December 2015

69,025 Workers

Registered Foreign Workers

in BPJS Ketenagakerjaan
per April 2016 :
26,256 Workers

Resource : Ministry of Manpower, Based on Working Permit, March 2016

Top Countries of Origin :

Image originally designed by freepik.com

Tiongkok
Japan
South Korea
India
Malaysia
USA
Thailand
Australia
The Philippines
England

Return to Work

PROGRAM DESIGN

Role of Social Security

provides security when social risks occured which caused

loss of or reduced of income,

in the form of money (in-cash benefit) or services (in-kind benefit)
Image source: http://hdwallpapersfit.com/wp-content/uploads/2015/02/nights-city-people-hd-wallpapers.jpg

Working Accident Benefit (JKK)

Contribution
a. Formal Workers
0,24% 1,74% (depends to the business type)
b. Informal workers
1% from reported wages

Rp

Rp

Benefit

Image designed by freepik.com

a. Medical Treatment (unlimited)

b. Money Compensation
c. Scholarship for the children, (only for those who died
or permanently disable after working injury incident.
The children of the worker will received
Rp12.000.000,00 (twelve million idr).
d. Return to Work

Death Benefit (JKM)

Contribution
a. Formal Workers : 0,3% from monthly
reported wage.

Rp

b. Informal workers : Rp. 6.800,-

Benefit
a. Funeral and Allowance Rp.24.000.000 (twenty
four million idr)
b. Scholarship for the children, for the amount
Rp 12.000.000,00 (twelve million idr)
Image designed by freepik.com

Rp

Provident Fund Program (JHT)

Contribution
a. Formal workers and the amount of contribution: 5,7%
(3,7% from employer, and 2% from employee)
b. Informal workers and the amount of contribution
depends on the reported wage categories

Rp

Rp

Benefit
a. Accumulated contribution with investment return.
b. 10% of the balance can be withdrew after 10 years of
membership or 30% for housing ownership
Image designed by freepik.com

Pension Program (JP)

Age

Pension age is

56 years old

Foreign Workers is exempted

Rp

3% with composition:

Contribution

2 % from the employer and

1 % from the employee.

Total

Minimum : Rp.

300.000

benefit

Maksimum: Rp. 3.600.000

Image designed by freepik.com

14

Pension Benefit
According to Law 40/2004
Annuity Pension benefit monthly
Old Age Pension will be
accepted after the member comes
to retirement age up to death.

Protection includes cash

against the risks of
permanent total disability,
pass away or comes to
retirement age.

100%
monthly benefit

Disability Pension will be

accepted by member who has
permanent total disability up to
death

100%
monthly benefit

Widow/widower Pension
will be accepted by the
widow/widower up to death or
re-marry

50%
monthly benefit

Childs Pension will be

accepted by members
child/children up to the age of
23 years, has a job or marry

50% monthly benefit

Member who passed away/has
total disability without
widow/widower

or

50% monthly benefit

Widow/widower

Contribution
accumulation +
investment results

Parents Pension will be

accepted by the parents of the
member who passed away up to
certain limit

20%
monthly benefit
15

Total Benefit
Primary Programs + Addition Benefits
Food Benefit

Transportation
Benefit

Housing
Benefit

Health
Benefit

Education Benefit

Additional benefits aim to provide more affordable basic needs

for better quality of life of the workers
Image originally designed by www.flaticon.com

16

Return to Work

HOW TO ACCESS?

Interaction of Members & Member Candidates with

BPJS Ketenagakerjaan through e-Services

Image originally designed by www.freepik.com

18

Service in Our Channel to Workers

Branch
Offices

SPO
(Service
Point
Office) BRI
- BJB

PPOB
(Payment
Point
Online
Banking)

337

10.000

24.000

Local
Government

ATM (BRI,
Mandiri,
BNI, BTN,
BCA, BJB,
Bukopin)

RSTC
(Trauma
Center
Hospital)

Web

Smart Kiosk

Mobile &
SMS

73.500

1.032

Online

121

Online

Formal Workers
Registration
Information (program, Account balance)
Update Data

Claim
Claim Payament (Cash)

Payment via online transfer to bank account

Informal Workers
Registration
Information (program, Account balance)
Contribution Payment
Update Data
Claim
Claim Payment (Cash)

Payment via online transfer to bank account

Service in Our Channel to Employers

Branch
Offices

SPO
(Service
Point
Office) BRI
- BJB

PPOB
(Payment
Point
Online
Banking)

337

10.000

24.000

Local
Government

ATM (BRI,
Mandiri,
BNI, BTN,
BCA, BJB,
Bukopin)

RSTC
(Trauma
Center
Hospital)

Web

Smart Kiosk

Mobile &
SMS

73.500

1.032

Online

121

Online

Employers
Informasi program
Registrasi Perusahaan
Registrasi Peserta
Pembayaran Iuran
Update Data
Pengajuan Klaim
Pembayaran Klaim (cash)

Payment via online transfer to bank account

Thank You
Gedung BPJS Ketenagakerjaan
Jl. Jend. Gatot Subroto No. 79
Jakarta Selatan 12930
T (021) 520 7797
F (021) 520 2310
www.bpjsketenagakerjaan.go.id