10 Benefits of BPJS Employment for Workers and Families

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C. Sarah

Benefits of BPJS Employment for Workers and Families

Find out various benefits of BPJS Employment that can provide protection and welfare for workers and their families in various situations.

BPJS Ketenagakerjaan is a social security program managed by the Indonesian government to provide protection to workers in terms of the risk of work accidents, illness, old age, and death. This program aims to provide welfare to workers and their families.

As a form of social protection, BPJS Employment offers various benefits that can be felt by formal and informal workers. The following are the 10 main benefits obtained through BPJS Employment.

1. Work Accident Insurance

One of the main benefits of BPJS Employment is protection against the risk of work accidents. This program provides compensation for workers who experience accidents at work, whether occurring at the workplace or on the way to or from work.

This compensation covers medical costs, care, and compensation if the worker suffers a disability or dies due to a work accident.

In addition, BPJS Employment also covers rehabilitation costs for workers who experience serious injuries that affect their work ability. With this guarantee, workers do not need to worry about costs arising from work accidents that occur suddenly.

2. Death Guarantee

BPJS Ketenagakerjaan also provides benefits for the families of workers who die, either due to work accidents or other causes. This death benefit provides compensation to heirs, including spouses, children, or parents, depending on the status of the family left behind.

This death benefit is expected to help ease the burden on the bereaved family in facing the funeral process and daily living needs after losing the head of the family. With this program, workers feel more at ease because their families get financial protection.

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3. Old Age Security (JHT)

JHT is a benefit provided for workers who have reached retirement age or stopped working. This benefit aims to provide financial protection to workers after they are no longer actively working.

Every month, registered workers will set aside a portion of their salary which will be collected in the JHT balance.

In addition, workers who experience termination of employment (PHK) or stop working for other reasons are also entitled to withdraw the JHT benefits. With this old age security, workers can enjoy their retirement with a sense of security and more financial peace.

4. Pension Guarantee

Unlike JHT, pension insurance aims to provide monthly income to workers who have reached retirement age or are no longer able to work.

This system is similar to pension programs in other countries, where workers will receive a certain amount of money every month until the end of their lives.

This benefit is very helpful for workers who want to enjoy retirement without having to worry about daily living needs. Workers will get enough income to live comfortably, even though they are no longer actively working.

5. Scholarship Assistance for Children

BPJS Employment also provides benefits in the form of scholarships for children of workers who have died or suffered permanent disabilities due to work accidents.

This scholarship is provided to support the education of the children of workers left behind, from elementary school to college.

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This scholarship is a form of government concern for the next generation of families who have lost their breadwinner. With this scholarship, workers’ children can continue their education without being disturbed by financial problems.

6. Transfer Program for Retired Workers

For workers who have reached retirement age or who have retired, BPJS Ketenagakerjaan also offers a transfer of pension benefits.

Workers who stop working for any reason can transfer part of their JHT benefits to be transferred to pension benefits with a more profitable program in the long term.

This program helps workers who feel that they have not prepared enough for their retirement funds before reaching retirement age, by providing a more profitable solution than JHT which only provides a lump sum payment.

7. Protection for Informal Sector Workers

In addition to formal workers, BPJS Ketenagakerjaan also provides protection for informal sector workers, such as street vendors, daily laborers, farmers, and others.

Even though they do not have permanent jobs or are registered as workers in a company, they are still entitled to this social security protection.

By participating in the BPJS Ketenagakerjaan program, informal workers can get the same benefits as formal workers, such as work accident insurance, old age insurance, and pension insurance. This provides broader social protection for all levels of society.

8. Improving the Welfare of Working Families

With BPJS Employment, workers are not only protected, but also provide better welfare for their families. The compensation received by the families of workers who die or have an accident can help them maintain a decent life.

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In addition, various other facilities, such as children’s education scholarships and pension benefits, provide financial certainty for workers’ families in the long term.

9. Access to Health Services

Workers registered with BPJS Ketenagakerjaan are also entitled to access to health services. Some of these health benefits include medical expenses related to work-related accidents or illnesses arising from work.

Through this program, workers do not need to worry about high health costs, because they will get protection for the medical costs they need.

10. Legal and Social Protection for Workers

BPJS Employment also provides legal protection to workers, especially in the case of work accidents and layoffs. With this social security, workers feel protected in terms of their rights in the workplace.

If workers experience problems with their work or rights, BPJS Ketenagakerjaan can provide legal assistance and advice to ensure workers receive their rights fairly.

BPJS Employment is a very important program for the welfare of Indonesian workers. With various benefits offered, ranging from work accident insurance, pension insurance, to family protection, BPJS Ketenagakerjaan provides a sense of security for workers and their families.

The program also covers informal sector workers who may have previously been excluded from social protection.

With the existence of BPJS Health and BPJS Employment, it is hoped that workers can be more relaxed in living their professional lives, knowing they have adequate protection from health risks and other uncertainties that could occur in the future.

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