
Find out various practical and step-by-step ways to cash out BPJS Employment online, as well as the requirements that need to be met to speed up the process.
BPJS Ketenagakerjaan is a form of social protection provided to workers in Indonesia. One of the advantages of becoming a BPJS Ketenagakerjaan participant is the existence of a fund disbursement program that can be done online.
With today’s technological advances, the process of disbursing funds from BPJS Ketenagakerjaan has become easier and faster.
You can disburse BPJS Ketenagakerjaan funds, both JHT (Old Age Security) and Pension Security (JP) in a more practical way, using the official application or other online services.
In this article, we will provide a complete guide on how to withdraw BPJS Employment online. You will learn the steps to follow and the requirements that need to be met so that the withdrawal process can be carried out smoothly. Here are 10 ways to withdraw BPJS Employment funds online.
1. Download the BPJSTKU Application and Register
The first step you need to do to withdraw BPJS Employment online is to download the BPJSTKU application. This application is available for free on Android and iOS platforms.
Once the application is installed on your device, open the application and register using your BPJS Ketenagakerjaan card number and personal data to start Disbursing BPJS Employment funds and access other services.
The registration process in the BPJSTKU application also includes filling in personal data which is very important for verification. Make sure you fill in the data correctly so that the claim for disbursement of funds can be processed without any problems.
2. Check the Withdrawal Terms and Conditions
Before continuing the disbursement process, you need to make sure that you meet the applicable requirements.
Generally, BPJS Ketenagakerjaan participants can withdraw funds after retiring or entering retirement age. Some requirements that must be met to be able to withdraw BPJS Ketenagakerjaan are:
- Resign or be laid off.
- Entering retirement age or retirement period.
- Having a work accident.
- Have been a BPJS Employment participant for at least 5 years.
- In addition, make sure your account balance is sufficient for disbursement according to existing provisions.
3. Submit a Disbursement Claim via the BPJSTKU Application
If you have met the requirements, the next step is to submit a claim for disbursement. The method is to open the BPJSTKU application, select the type of claim you want to submit, for example a JHT claim or Pension Guarantee. Make sure you fill in the claim data completely and correctly.
After that, you will be asked to upload the required documents such as a photocopy of your ID card, NPWP, a photo of yourself, and other documents according to the type of claim submitted. The application will provide further instructions if there are documents that need to be completed.
4. Verify Data with Electronic Signature (E-Signature)
As part of the online disbursement process, you will be asked to verify your personal data through an electronic signature or e-signature.
This process replaces a physical signature and is carried out directly through the BPJSTKU application. This verification aims to ensure that the claim you submit is valid and in accordance with applicable provisions.
After the electronic signature is successful, the application will notify you that your claim has been submitted and is being processed by BPJS Ketenagakerjaan.
5. Verification at the BPJS Employment Office
Although most of the disbursement process can be done online, you still need to come to the BPJS Ketenagakerjaan office to complete the verification process. At the office, you are asked to show original documents such as KTP, NPWP, and other relevant documents.
It is important to follow the instructions given by the application carefully so that the verification process can run smoothly and the disbursement of funds can be carried out without any problems.
6. Disbursement via Bank Transfer
Once your claim has been verified and approved, BPJS Ketenagakerjaan funds will be transferred directly to your registered bank account. Transfers usually take around 5 to 7 business days after all processes are complete.
Make sure your bank account details are correct and registered in the BPJSTKU application to ensure that the disbursement can be carried out smoothly.
7. Disbursement via the Official BPJS Employment Website
In addition to the BPJSTKU application, you can also withdraw BPJS Ketenagakerjaan funds through the official BPJS Ketenagakerjaan website.
On this website, you can fill out the claim form online, upload the required documents, and follow the claim process according to the instructions given.
Make sure you fill in the data correctly and follow all the steps listed on the website to facilitate the fund disbursement process.
8. Withdrawal via ATM or EDC Machine
Some banks provide services to withdraw BPJS Ketenagakerjaan funds through ATMs or EDCs. The method is quite easy, you just select the “Withdraw BPJS” menu on the ATM and enter the BPJS participant ID number.
Make sure your bank account is registered with BPJS Ketenagakerjaan and you follow all the instructions on the ATM correctly.
9. Through BPJS Employment Customer Service
If you encounter obstacles or difficulties in the BPJS Ketenagakerjaan disbursement process, you can contact the BPJS Ketenagakerjaan customer service.
Customer service is ready to help explain the stages of fund disbursement, provide guidance on documents, and resolve any problems you may experience.
You can contact BPJS Ketenagakerjaan customer service via telephone or official email listed on their website.
10. Disbursement for Participants Who Change Jobs
If you are a BPJS Ketenagakerjaan participant who has just changed jobs or residences, you can still withdraw the existing funds.
Make sure you update the data in the BPJSTKU application or the BPJS Ketenagakerjaan website so that the disbursement process can be carried out smoothly. After the data update is complete, you can continue the disbursement claim according to the applicable procedures.
The process of disbursing BPJS Employment online is very easy and efficient, with various methods that can be adjusted to your needs. Starting from the BPJSTKU application, the official website, to ATM machine services, all offer convenience for participants who want to access their funds.
Make sure you meet the necessary requirements and follow the procedures carefully so that the disbursement runs smoothly.
Additionally, ensure your BPJS Health Registration is up to date to avoid any issues. With this step-by-step guide, you can get BPJS Employment funds in a faster and more practical way.