Worker Insurance/ BPJS Ketenagakerjaan Assistance

BPJS Ketenagakerjaan: Secure Your Future with Comprehensive Employment Protection!

Every employee, including directors and commissioners, deserves protection and security throughout their working life. BPJS Ketenagakerjaan (Employment Social Security Program) is here to ensure that you and your loved ones are covered with benefits like retirement savings, death benefits, and work accident insurance.

With BPJS Ketenagakerjaan, you can work with peace of mind, knowing that your future is protected. Whether you’re an employer or an employee, this program is designed to provide financial security and support during critical moments in life.

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Why Choose BPJS Ketenagakerjaan?

1. Comprehensive Coverage: Protection for work accidents, death, retirement, and pensions.
2. Financial Security: Cash benefits for you and your family during emergencies or retirement.
3. Mandatory for All Employees: Ensures every worker, including directors and commissioners, is protected.
4. Affordable Contributions: Low-cost premiums with shared payments between employers and employees.

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Programs Offered by BPJS Ketenagakerjaan

1. Employment Injury Security (JKK)

• What It Covers:
  • Medical treatment for work-related illnesses or accidents.
  • Cash compensation for disabilities or injuries caused by the work environment.
• Who Pays: Employer.

2. Death Security (JKM)

• What It Covers:
  • Cash benefits for heirs if the participant passes away (non-work-related).
• Who Pays: Employer.

3. Old-Age Security (JHT)

• What It Covers:
  • Cash benefits upon retirement, permanent total disability, or death.
• Who Pays: Employer (3.7%) and Employee (2%).

4. Pension Security (JP)

• What It Covers:
  • Monthly pension benefits after retirement or in case of permanent total disability.
• Who Pays: Employer (2%) and Employee (1%).

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How Much Does It Cost?

Here’s a breakdown of contributions for an employee earning IDR 3,000,000 per month in a low-risk industry (e.g., villa operations):

Program	Contribution	Wages	Total Contribution
JHT	3.7% (Employer) + 2% (Employee)	IDR 3,000,000	IDR 111,000 + IDR 60,000
JKK	0.54% (Employer)	IDR 3,000,000	IDR 16,200
JKM	0.3% (Employer)	IDR 3,000,000	IDR 9,000
JP	2% (Employer) + 1% (Employee)	IDR 3,000,000	IDR 60,000 + IDR 30,000
TOTAL			IDR 286,200
Employer’s Share			IDR 196,200
Employee’s Share			IDR 90,000

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Who is Eligible?

• All Employees: Including full-time, part-time, and contract workers.
• Directors and Commissioners: Mandatory coverage for company leaders.
• Foreign Workers: KITAS holders are also eligible for BPJS Ketenagakerjaan.

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How to Enroll in BPJS Ketenagakerjaan

1. For Employers:
   • Register your company with BPJS Ketenagakerjaan.
   • Submit employee data and calculate contributions.
   • Pay monthly premiums on time.
2. For Employees:
   • Ensure your employer has registered you with BPJS Ketenagakerjaan.
   • Verify your data and contribution details.
   • Access your benefits when needed.

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Why Partner with Us?

Navigating BPJS Ketenagakerjaan regulations can be complex. Our experienced team is here to help you:

1. Understand the Latest Regulations: Stay updated with the latest rules and requirements.
2. Simplify Enrollment: We handle the paperwork and ensure compliance.
3. Maximize Benefits: Get the most out of your BPJS Ketenagakerjaan coverage.
4. Save Time and Effort: Focus on your business while we manage your BPJS obligations.

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Act Now – Protect Your Workforce and Secure Their Future!

Don’t wait until it’s too late. BPJS Ketenagakerjaan is not just a legal requirement – it’s a commitment to your employees’ well-being and future.

Contact us today to learn more about BPJS Ketenagakerjaan and how we can assist you!

With BPJS Ketenagakerjaan, you can build a safer, more secure future for your employees and your business. Let us help you get started!