Liciana Q 
Learn about the various benefits of BPJS Employment which offers comprehensive protection for workers and their families, from work accidents to pension guarantees.
BPJS Ketenagakerjaan is a social security program provided by the Indonesian government to protect workers from various risks that may occur while they are working.
This program is not only beneficial for formal workers, but also for informal sector workers, providing protection for workers and their families.
With a number of benefits offered, BPJS Employment functions to improve welfare and provide a sense of security in the world of work. Here are 10 benefits of BPJS Employment that you should know.
1. Work Accident Insurance (JKK)
One of the main benefits offered by BPJS Employment is protection against work accidents. Whether workers are working at the workplace or on the way to and from work, BPJS provides work accident insurance that covers medical expenses, hospitalization, and medical rehabilitation.
If a work accident causes disability or death, the worker or heir will receive compensation adjusted to the level of the accident experienced. With this benefit, workers can feel calmer even though they are exposed to risks while working.
2. Death Insurance (JKM)
BPJS Employment also provides protection to the families of workers who die, either due to work accidents or other reasons. JKM aims to ease the burden on the bereaved family, providing compensation for funeral expenses and family survival.
This compensation can cover funeral expenses, living expenses for the bereaved family, and provision for children who are still of school age. With this benefit, workers feel more secure because their families will receive financial assistance if they are no longer around.
3. Old Age Security (JHT)
JHT is a benefit provided for workers who have reached retirement age or who have stopped working. Every month, a portion of the worker’s salary is set aside to be put into the JHT balance which can be disbursed when the worker reaches retirement age, or when they stop working due to termination of employment (PHK).
This benefit aims to provide a sense of security for workers in the future, making them more prepared to face retirement with sufficient financial conditions.
4. Pension Guarantee (JP)
In addition to JHT, workers can also obtain pension guarantees that provide monthly income after they are no longer actively working. This pension guarantee is given to workers who have met the retirement age requirements or who are no longer able to work.
Workers will receive a certain amount of money every month until the end of their lives, which will provide financial stability after the end of their employment. This system ensures that workers can enjoy their retirement without worrying about income.
5. Education Scholarships for Workers’ Children
As part of additional benefits, BPJS Ketenagakerjaan also provides educational scholarships for children of workers who die or suffer permanent disabilities due to work accidents.
This scholarship covers educational costs from elementary school to college, aiming to help bereaved families so that their children can continue their education without financial constraints.
With this scholarship, the future of the next generation of working families is guaranteed even though their parents have passed away.
6. Transfer of JHT Benefits to Pension Guarantee
BPJS Ketenagakerjaan also provides an opportunity for workers who stop working or retire to transfer some of their JHT funds into pension benefits.
This program provides long-term benefits for workers who are not yet ready to face retirement. In this way, workers who choose not to withdraw their JHT can transfer the funds into a safer and more secure monthly income.
7. Protection for Informal Sector Workers
In addition to formal workers who work in companies, BPJS Ketenagakerjaan also provides protection to informal sector workers such as traders, daily laborers, and other freelancers.
Informal workers can also get the same benefits, such as work accident insurance, pension insurance, and old age security. This provides wider access to social protection, so that informal workers can also enjoy social security benefits that were previously difficult to reach.
8. Worker Family Welfare
BPJS Employment not only provides protection for workers, but also for the welfare of their families. With various benefits such as death benefits, education scholarships, and retirement benefits, workers’ families can feel more secure and protected.
This program ensures that workers’ families do not suffer financial hardship if the worker has an accident, retires, or dies. BPJS Ketenagakerjaan ensures that workers and their families receive full support in dealing with unexpected life changes.
9. Access to Health Services
Workers registered with BPJS Ketenagakerjaan also benefit from access to health services, especially those related to work accidents or work-related diseases.
This includes the cost of treatment, medical examinations, and care needed to restore health conditions after injury or illness. Thus, workers do not need to worry about high medical costs, because BPJS Ketenagakerjaan has provided such protection.
10. Legal Protection for Workers
BPJS Ketenagakerjaan also provides legal protection to workers regarding their rights in the workplace, especially in the case of work accidents, termination of employment, and other social security-related issues.
Workers who feel that their rights are not being fulfilled can seek legal assistance from BPJS Ketenagakerjaan to ensure that they receive protection in accordance with applicable regulations.
This program helps workers feel more secure in carrying out their work because they know there are institutions ready to protect their rights.
BPJS Ketenagakerjaan provides many important benefits for the welfare of workers and their families.
With various insurance programs such as work accident insurance, old age insurance, pension insurance, and legal protection, as well as health coverage provided by BPJS Health, BPJS Ketenagakerjaan is very important for Indonesian workers, both those working in the formal and informal sectors.
This program provides a sense of security, protection, and financial certainty that workers need in living their professional lives. With these various benefits, BPJS Ketenagakerjaan plays a major role in creating welfare and security for all workers in Indonesia.
