Social Security (BPJS Ketenagakerjaan) Registration for Employee

Last Updated: October 13, 2024

Social Security (BPJS Ketenagakerjaan) Registration for Employees: A Complete Guide

In Indonesia, ensuring the welfare and security of employees is a priority for businesses and individuals alike. One of the key initiatives aimed at achieving this is the BPJS Ketenagakerjaan (Social Security for Employment), a government-mandated program that offers social insurance for workers. Whether you’re a business owner looking to enrol your employees or an employee wanting to understand how the process works, this article will guide you through the registration process of BPJS Ketenagakerjaan.

What is BPJS Ketenagakerjaan?

BPJS Ketenagakerjaan, or Social Security for Employment, is an insurance program administered by the Indonesian government. It provides protection to employees through four main programs:

Work Accident Insurance (JKK): Offers benefits and compensation for injuries or accidents that occur in the workplace.
Old Age Security (JHT): Helps employees save for their retirement by providing a lump sum payout when they reach retirement age.
Death Benefit (JKM): Provides financial support to the family in case of the employee’s death, both natural and accidental.
Pension Insurance (JP): Ensures a monthly pension for employees after they retire.

These benefits are crucial in giving employees a safety net throughout their working lives and beyond. But how do you get registered for BPJS Ketenagakerjaan?

How Employers Can Register Their Employees

For employers, registering employees for BPJS Ketenagakerjaan is a legal requirement under Indonesian law. Failing to do so can result in penalties, so it’s essential to follow the right steps. Here’s how:

Step 1: Prepare Required Documents

To register employees, employers will need to gather several documents, including:

Company’s Deed of Establishment
Tax Identification Number (NPWP) of the company
Company’s business license (SIUP)
List of employees (including their personal data such as full name, National ID number, address, and position)
Wages or salary details of each employee

Step 2: Register Through the BPJS Ketenagakerjaan Office or Online

There are two ways to register employees for BPJS Ketenagakerjaan: by visiting the nearest BPJS office or through the BPJS Ketenagakerjaan online portal.

Offline Registration: You can go to the nearest BPJS Ketenagakerjaan office with the required documents. Fill out the registration form provided by the office and submit the documents.
Online Registration: Visit the official BPJS Ketenagakerjaan website and navigate to the registration section. Complete the form with the company and employee details. You will also need to upload scanned copies of the required documents. After submitting the form, you’ll receive a registration confirmation and an account number for each employee.

Step 3: Payment of Contributions

Once registration is complete, employers are required to make monthly contributions to the program. Contributions for BPJS Ketenagakerjaan are divided between the employer and the employee:

Work Accident Insurance (JKK): 0.24%–1.74% of the monthly salary (covered by the employer).
Old Age Security (JHT): 5.7% of the monthly salary (3.7% covered by the employer, 2% covered by the employee).
Death Benefit (JKM): 0.3% of the monthly salary (covered by the employer).
Pension Insurance (JP): 3% of the monthly salary (2% covered by the employer, 1% covered by the employee).

The employer is responsible for ensuring that these contributions are paid on time every month.

Step 4: Receive BPJS Membership Card

Once the registration and payment are completed, each employee will receive a BPJS Ketenagakerjaan membership card. This card contains the employee’s unique BPJS number, which they will need to access the program’s benefits.

How Employees Can Register Themselves

If you are an employee and your employer has not registered you, it’s important to remind them of their obligation. However, freelancers, independent contractors, and self-employed individuals can also register for BPJS Ketenagakerjaan by themselves. The process is similar to employer registration but with fewer documents.

Online Registration for Individuals: Visit the BPJS Ketenagakerjaan website and select the independent worker registration option. Fill out your personal information, choose the program(s) you want to enrol in and complete the payment process. You will receive your membership card once your registration is confirmed.