BPJS Employment is divided into 4 types, namely JHT, JKK, JKM, and JP.
For those who are already employees, every month their salary is cut to pay BPJS Employment, right?
Curious no What 'privileges' do you actually get by paying BPJS Employment contributions regularly every month?
In fact There are 4 types of BPJS Employment that you get when you are registered as a BPJS Employment participant.
Curious about what facilities you can get by registering as a BPJS Employment participant? Here's the discussion.
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4 Types of BPJS Employment
Actually what is BPJS Employment? BPJS Employment is regulated in Law No. 40 of 2004 related to the National Social Security System.
Previously, BPJS Employment was named PT Jamsostek. However, since January 1, 2014 the name has changed to BPJS Employment.
And most importantly, Every company is required to register all employees who have worked for at least 6 months to join this program.
So, what are the 4 types of BPJS Employment? Here's the discussion:
1. Old Age Security Program (JHT)
JHT aims to ensure that workers do not experience economic hardship. Especially when the JHT participants have entered their old age.
Vital Records
JHT can be disbursed by 10% or 30% if you are still active as a worker and have a total working time of 10 years.
JHT can be disbursed at 100% if the worker's status is no longer active, either because he has been laid off or resigned, starting 1 month after his membership status is inactive.
Contribution is 5.7% of salary (3.7% paid by the company/employer and 2% paid by workers)
2. Work Accident Insurance Program (JKK)
JKK participants get total protection benefits in the form of medical costs and compensation in the event of an accident while in the work environment, getting an illness due to the work environment or experiencing permanent disability due to a work accident.
Example: D a reporter, while he was trying to cover a place, he had an accident. Then D is entitled to cash compensation from JKK.
Vital Records
JKK to cover intensive care (ICU/ER), diagnostic support, special services, medical devices and implants, doctor services, surgery, blood transfusion, and medical rehabilitation including replacement of aids (orthoses), replacement devices (protheses), and dentures.
JKK will also provide educational scholarships for children of JKK participants who die/total disability caused by accidents or occupational diseases, amounting to Rp12,000,000.
Amount of contributions from JKK for wage recipients:
For the lowest risk level, the JKK contribution is 0.24% of a month's wage. For the low risk level, the JKK contribution is 0.54% of a month's wage. For the medium risk level, the JKK contribution is 0.89% of a month's wage. high risk level, the amount of the JKK contribution is 1.27% of the monthly wage For the very high risk level, the amount of the JKK contribution is 0.74% of the monthly wage
3. Death Insurance Program (JKM)
JKM benefits will be given to the heirs of BPJS Employment participants, when the participant dies not due to a work accident or illness due to work.
The condition is that participants are still in active working status or have not reached retirement age (56 years).
Vital Records
The form of JKM compensation is in the form of cash compensation and funeral costs.
Cash compensation of Rp. 16,200,000 and periodic compensation of 24 times Rp. 200,000, or Rp. 4,800,000 which is paid at once.
For participants who have paid BPJS Employment contributions for at least 5 years, they will receive a funeral fee of Rp. 3,000,000 and an educational scholarship for their children of Rp. 12,000,000.
4. Pension Guarantee Program (JP)
JP's goal is to ensure a better life for BPJS Ketenagakerjaan participants when they enter retirement age, at the age of 56 years.
Vital Records
The contribution is 3% (2% paid by the company/employer and 1% paid by the employee)
Funds will be given every month to BPJS Employment participants as long as they are still alive after the age of 56 years.
Can be obtained when you have become an active participant and pay BPJS Employment contributions for a minimum of 15 years.
Thus Jaka's discussion of the 4 types of BPJS Employment that you should know.
Hopefully this information can help those of you who are still confused about the various BPJS Employment.
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