Compulsory Pension fund BPJS for expats.

[William King]

I have heard that companies are supposed to use the BPJS Pension fund also. 9% of base salary (6% paid by employer and 3% paid by employee)

Has anyone else been told this ? Are expats able to receive this money on leaving Indonesia ?

 

[Anglian]

I've heard this but the company I worked for went bankrupt before BPJS could be implemented,they had a private pension scheme which gave full coverage, and was free for employees, I doubt if you can take the contributions to the BPJS with you when you leave

 

[Davita]

Here is an interesting piece about BPJS TK....http://www.ptveritas.com/workers-social-security-bpjs-ketenagakerjaan/

Near the bottom it says permanent departure from Indonesia means a member can receive 'Full Lump Sum' of eligible Old Age Pension.
It also mentions what ID is required for an expat to qualify....
"The new BPJS-TK forms require the national identification (ID) number to be stated. Indonesian citizens should refer to their identify cards (KTP) or family cards (KK), while the expatriates IDs would be noted in their family registry document (Surat Keterangan Susunan Keluarga Penduduk Sementara / SKSKPS)."

 

[Anglian]

Well that's interesting, I wouldn't have thought you could claim it back if you left the country, I wonder what hoops you would have to go through to get it

 

[William King]

family registry document ?

 

[centurion]

Expat workers are required to join BPJS kesehatan (health) and BPJS ketenakerjaan (employee`s social security) insurance.
BPJS kesehatan is 5% of the salary and BPJS ketenakerjaan is : kecelakaan- accident 0,24-1,74% depending on the risk of the job, Jaminan lump sum -lumpsum that you get when you go to retirement 5,7% , kematian -death-0,3% and pension 3%.
Expats workers cannot participate in the pension scheme.
Jamina hari tua money can be taken before retirement if you were paying at least one year and under certain conditions-i.e.you lose or quit the job but then you will get only the nominal paid amount, not accumulated interest which is around 5% and it is nontaxable.

 

[Davita]

family registry document ?

1. SKSKPS (Certificate of Composition of Temporary Family Residents) of foreigners signed by Head of Dept. of Population and Civil Registration of DKI Jakarta Province.
2. Temporary resident biodata form of foreign resident / Foreign Biodata Form signed and checked by related parties at the Department of Population and Civil Registration of DKI Jakarta Province.
3. Foreign Identity Card (KIP) of foreign citizens, resembling a KTP

Institutions issuing SKSKPS are:
DEPARTMENT OF POPULATION AND CIVIL REGISTRATION
DKI Jakarta
Jalan Letjen S. Parman No.7, West Jakarta.

edit: I never heard of it either but think I found the answer.....An SKSKPS is a WNA version of the WNI KK (Family residence card)

'SKTT and SKSKPS requirements are Certificate of Residence (SKTT) and Certificate of Family Formation of Foreign Residents (SKSKPS) of Foreigners. SKTT can also be called SKTTS which is a temporary residence certificate. This SKTT is indispensable when the foreigners will file a kitas or kipap. In this SKTT there is a resident population number (NIK) provided by the local civil registry office. WNA Family Card is distinguished by citizen family card because foreigners can not enter into family card of WNI but WNA has its own family card so it can not be mixed even though it has become husband and wife. The husband has his own family card, as well as the wife has his own family card.'

 

[Davita]

Expats workers cannot participate in the pension scheme..

I've searched everywhere and cannot find where expats are not allowed to participate...it does state they must participate in the scheme after working in Indonesia for 6 months...i.e. it eliminates those on temporary assignments but, once signed to BPJS TK, I cannot find where it discriminates against anyone.
By 2019 it is planned to have all residents part of the BPJS system....whether working or not.

 

[Ruserious]

I just read through all this and must say I'm confused. My company is paying the BPJS for me but in the event that i lose my job and have paid this for more than a year then what % could i get back? Is it less than the 2% that is supposed to be my contribution?

 

[centurion]

BPJS ketenakerjaan has 4 schemes. If the company is at least medium size company (500 million Rp paid in capital) must participate in all 4 schemes. To employ a foreigner company has to be at least medium size company.

1. BPJS kematian-death insurance
2. BPJS kecelakaan-accident insurance
3. BPJS JHT-jaminan hari tua (in a case of resigning/losing job you can collect the fees if your employee was paying at least 1 year.
It is 5,7% of your reported salary. You have to have a green color card for BPJS ketenakerjaan and you can collect your JHT contribution in BPJS 1 month after losing job, maybe with some penalties for early withdrawal.
Another green color card is for BPJS kesejhatan.

4. BPJS pension scheme -foreign workers cannot participate because they cannot have Indonesia pension, you can check in BPJS or google it. Foreigners can participate in the first 3 schemes.


The best way is to go to BPJS ketenakerjaan with your BPJS card and ask how can you withdraw your JHT (jaminan hari tua) money in case you lose your job.

 

[Davita]

4. BPJS pension scheme -foreign workers cannot participate because they cannot have Indonesia pension, you can check in BPJS or google it. Foreigners can participate in the first 3 schemes.

I've searched and cannot find anything that says a foreigner cannot participate in the BPJS pension scheme.
On the contrary this link page 3 says a foreigner must participate and there isn't discrimination....

http://www.mimconsulting.co.id/file...ity for Employment (BPJS Ketenagakerjaan).pdf

Page 3 "This provision is reaffirmed in Article 14 of BPJS Law which states that everyone, including foreigners who work for a minimum of 6 (six) months in Indonesia, shall be participants of Social Security program. This means that, BPJS Employment is a mandatory for foreign workers. Thus, all the provisions on procedures for the registration and other rules about BPJS Employment shall also apply to foreign workers working in Indonesia."

I'd appreciate info on where it says foreigners are not permitted.

 

[centurion]

The pension scheme is just one part of the four parts of the BPJS Social Security Program. Foreigners can participate only in 3 schemes of four, excluded is the pension scheme. You can ask in your local BPJS ketenakerjaan or you can google articles. Here is one:

http://bali.bisnis.com/read/20150909/74/54254/bpjs-kepesertaan-tenaga-kerja-asing-sebatas-3-program

 

[Ruserious]

Thanks centurion and davita.
Does this only apply if i am terminated? How about resignation? Would i still be able to claim the 5.7% less early withdrawal penalties? Are there any other conditions?

 

[centurion]

The condition is that you have stopped working (resignation, termination etc). Here is an article on bahasa how to take the money and what documents you need:

https://www.cermati.com/artikel/pencairan-jamsostek-bpjs-ketenagakerjaan-100-apa-syaratnya