Learn easy ways to withdraw BPJS Employment, both online and offline, as well as how to wisely use the withdrawal funds for a better future.
BPJS Ketenagakerjaan is a social security program designed to provide protection for workers, especially related to old age security, work accidents, and pensions.
One of the main benefits is the Old Age Security (JHT), which can be disbursed by BPJS Ketenagakerjaan participants by fulfilling certain requirements.
This article will discuss easy ways to disburse BPJS Ketenagakerjaan both online and offline, as well as wise tips for utilizing the funds that have been disbursed.
How to Withdraw BPJS Employment Online
With the advancement of technology, BPJS Employment disbursement can now be done online through the Lapak Asik platform. This process is more practical and efficient. Here are the steps to follow to disburse JHT 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.
On this page, you will be asked to fill in personal data, such as Population Identification Number (NIK), full name, and BPJS Ketenagakerjaan membership number.
2. Upload Required Documents
After filling in your personal data, you must upload the documents required for the verification process, such as your ID card, BPJS Employment card, savings book, and a selfie of you holding your ID card.
Make sure all uploaded documents are in the correct format (JPG, JPEG, PNG, or PDF) so that the next process runs smoothly.
3. Data Verification
Before proceeding, make sure all the information you have entered is correct and complete. Click the “Save” button, and the system will verify the data you submitted. If everything is correct, you will proceed to the next step.
4. Online Interview Schedule
Once the data has been successfully verified, you will receive an email containing an online interview schedule.
At this stage, the BPJS Ketenagakerjaan officer will contact you via video call to ensure that all documents and data you provide are valid. Make sure you prepare the original documents during the interview session.
5. Liquid Process
Once the interview session is complete and your application is approved, your JHT funds will be processed immediately. Payment will be transferred directly to the bank account you have listed in the data.
How to Withdraw BPJS Employment Funds Offline
For those of you who are more comfortable with the direct process, BPJS Ketenagakerjaan also provides offline JHT fund disbursement at branch offices. Here are the steps to follow:
1. Visit the BPJS Employment Office
The first step is to come directly to the nearest BPJS Ketenagakerjaan office. Make sure you bring complete required documents such as KTP, BPJS Ketenagakerjaan card, Family Card (KK), and savings book.
You will also need to bring other supporting documents, depending on your circumstances.
2. Registration and Form Completion
After arriving at the office, tell the officer that you want to withdraw JHT funds. The officer will provide a form that you need to fill in with accurate data. Make sure the information you provide matches the data in the BPJS Ketenagakerjaan system.
3. Data Verification
After filling out the form, submit the documents to the officer for verification. The officer will ensure that all data provided is in accordance with the applicable terms and conditions.
4. Queue and Interview
After verification is complete, you will be given a queue number. Wait for your turn for an interview session with the officer. Usually, this interview will include questions related to the reasons for submitting a JHT disbursement.
5. Confirmation and Disbursement of Funds
After the interview is complete, the officer will recheck your data and confirm your application. JHT funds will be transferred to your bank account within a few business days.
Terms and Criteria for BPJS Employment Disbursement
Before applying for disbursement, make sure you meet the applicable requirements.
These requirements vary depending on your status as an active or inactive worker. If you are still working in a company, you can still withdraw some of your BPJS Ketenagakerjaan funds.
However, you can only withdraw part of the existing balance, which is around 10% of the total balance or up to 30% if used to buy a house through a Home Ownership Credit (KPR). Here are the required documents:
- BPJS Employment Card
- Copy of ID card
- Copy of Family Card (KK)
- A certificate from the company where you work
- Saving book
- Inactive Workers
For workers who have stopped working or retired, you can apply for full disbursement of the JHT balance. The requirements that must be met include:
- Termination letter or certificate of termination of employment
- BPJS Employment Card
- KTP and photocopy of KK
- Saving book
3×4 and 4×6 passport photos After meeting these requirements, you can apply for disbursement either through online procedures or at the BPJS Ketenagakerjaan office.
Tips for Using BPJS Employment Disbursement Funds Wisely
Once you have successfully withdrawn your BPJS Ketenagakerjaan funds, it is important to use the funds wisely. Here are some ways you can consider:
1. Continuing Education
One great way to use the funds you have disbursed is to continue your education. Through education, you can open up greater career opportunities, which in turn can increase your income and quality of life.
2. Starting a Business
If you have a dream to start a business, BPJS Ketenagakerjaan disbursement funds can be the initial capital to realize the plan. With a mature business plan, you can build a business without having to seek loans from other parties.
3. Investment for the Future
Investing is a smart way to secure your financial future. You can choose various investment instruments such as stocks, mutual funds, or property that have the potential for long-term profits. Funds invested wisely will provide beneficial results in the future.
4. Saving for Future Needs
If you feel you are not ready to continue your education, start a business, or invest, saving is a wise choice. Saving BPJS Ketenagakerjaan disbursement funds can provide a very useful financial reserve in case of urgent needs.
Disbursing BPJS Ketenagakerjaan funds is now very easy to do, either through online platforms such as Lapak Asik or by visiting the BPJS Ketenagakerjaan branch office.
Make sure you meet the necessary requirements so that the disbursement process for BPJS Health benefits can run smoothly.
Once the funds are received, use the money wisely, whether it is to continue education, start a business, invest, or save for a better future.