Old-Age Security is a protection program with benefits in the form of cash when the participant has reached the retirement age, has permanent total disability, or passes away.

The benefits of Old-Age Security are in the form of cash, the nominal of which is calculated from the accumulation of all contributions that have been paid by workers and the company, plus the yield of investment of Old-Age Security funds.

Disbursement of benefits in the form of cash can be made:

1. Overall, when a participant meets any of the following requirements:
1. He/she has reached the age of 56 years
2. He/she is not actively working anywhere, for reasons of resignation or dismissal.
3. He/she leaves Indonesian territory forever.
4. cacat total tetap, atau
5. He/she passes away.
2. Partially, in the amount of:
1. A maximum of 10%, when the a participant is preparing a retirement period.
2. A maximum of 30%, when the participant takes a home ownership (it can only be taken once, and it is only applicable if the participant has a participation period of not less than 10 years).

Employment Injury Security is a protection program with benefits in the form of health services. This program can also be accompanied by compensation in the form of cash for participants who suffer from illness or work accidents, which are caused by the work environment.

The benefits of Employment Injury Security are in the form of health care and treatment according to medical needs, and/or compensation in the form of cash.

Employment Injury Security applies to work accidents that occur during the working period, starting from traveling to or from workplace, to accidents that occur in the workplace.

1. The benefits of Employment Injury Security are in the form of health care and treatment include:
1. Basic examination and diagnostic supporting examination.
2. First level to intensive care.
3. Class 1 inpatient at a Government Hospital, Local Government Hospital, or Private Hospital at an equivalent cost.
4. Treatment of comorbidities and complications related to work accidents or occupational diseases.
5. Special services and blood services.
6. Medical devices and implants.
7. Doctor or medical services.
8. Operation
9. Medic rehabilitation.
10. Home care is provided with the following conditions:
1. It is for participants who cannot continue treatment at or to the hospital due to physical limitations and/or geographical conditions.
2. If it is recommended by a doctor.
3. It is carried out by health facilities in collaboration with BPJS Employment.
4. The maximum benefit is 1 year with a maximum cost of IDR 20,000,000
5. It is carried out as a diagnostic examination in the treatment of occupational diseases.


2. It is in the form of cash compensation, provided that:
1. Reimbursement of transportation costs, for:
1. Land, river, and/or lake transportation, a maximum of IDR 5,000,000
2. Sea transportation, a maximum of IDR 2,000,000
3. Air transportation, a maximum of IDR 10,000,000
4. If the participant uses more than 1 transportation, the participant is entitled to the maximum cost of each transportation used.
2. Compensation for a Temporary Unable to Work (STMB) condition, amounting to:
1. 100% of wages for the first 6 months.
2. 100% of wages for the second 6 months.
3. 50% of wages for the third 6 months and so on.
3. Disability Benefits, for:
1. Anatomical partial disability, by calculating the percentage according to the disability table multiplied by 80 times the monthly wage.
2. Functional partial disability, by calculating the percentage of reduced function multiplied by the percentage according to the disability table multiplied by 80 times the monthly wage
3. Permanent total disability, calculated at 70% multiplied by 80 times the monthly wage.
4. Compensation for death is obtained by calculating: 60% x 80 x monthly wages, and at least the amount of compensation for Death Security, as well as funeral costs of IDR 10,000,000.
5. Periodic compensation, will be paid at once in the amount of IDR 12,000,000, - for participants with permanent total disability or death due to work or work accidents.
6. Rehabilitation, in the form of orthoses and/or prostheses for participants with missing or non-functioning limbs due to work accidents. Each case has a reference price set by the Government Public Hospital Rehabilitation Center plus 40% of that price and medical rehabilitation costs.
7. Reimbursement for dentures with a maximum of IDR 5,000,000
8. Reimbursement for hearing aids with a maximum of IDR 2,500,000,-
9. Reimbursement for glasses with a maximum of IDR 1,000,000
10. Scholarship, for a maximum of 2 children of the participants. For participants with permanent total disability or death due to work accidents or occupational diseases, the following conditions are regulated:
1. Scholarships are awarded periodically every year, according to the child's education level for:
1. Kindergarten education IDR 1,500,000 / person / year, for a maximum of 2 years.
2. Elementary education/equivalent Rp. 1,500,000/person/year, for a maximum of 6 years.
3. Junior high school education/equivalent of IDR 2,000,000/person/year, for a maximum of 3 years.
4. High school education/equivalent of IDR 3,000,000/person/year, for a maximum of 3 years.
5. Higher education with a maximum of undergraduate level or training of Rp. 12,000,000,-/person/year, for a maximum of 5 years.
2. Submission of scholarship claims can be made every year.
3. For children of participants who have not reached school age (maximum elementary school) when the participant passes away or has permanent total disability, the scholarship will still be awarded when the children have reached the school age.
4. The scholarship ends when the participant’s children have reached the age of 23 years or is married or has worked

Death Security is a protection program with cash benefits given to heirs when the participant passes away, which is NOT due to a work accident or work-related illness.

The benefits of Death Security are in the form of periodic compensation, funeral expenses, and educational scholarships for children of the participant.

Death Security benefits can be disbursed when the participant passes away during the active membership period, and in accordance with the following conditions:

1. Periodic compensation, which is paid at once in the amount of Rp. 12,000,000,-
2. Death compensation, amounting to Rp. 20,000,000
3. Funeral costs, amounting to Rp. 10,000,000,-
4. Scholarship, for a maximum of 2 children of the participant. The scholarship will be awarded if the participant has a minimum contribution period of 3 years and passes away NOT due to a work accident or occupational disease. The following are the provisions for educational scholarships for children of the participant:
1. Scholarships are awarded periodically every year, according to the child's education level for:
1. Kindergarten education IDR 1,500,000 / person / year, for a maximum of 2 years.
2. Elementary education/equivalent Rp. 1,500,000/person/year, for a maximum of 6 years.
3. Junior high school education/equivalent of IDR 2,000,000/person/year, for a maximum of 3 years.
4. High school education/equivalent of IDR 3,000,000/person/year, for a maximum of 3 years.
5. Higher education with a maximum of undergraduate level or training of Rp. 12,000,000,-/person/year, for a maximum of 5 years
2. Submission of scholarship claims can be made every year.
3. For children of participants who have not reached school age (maximum elementary school) when the participant passes away or has permanent total disability, the scholarship will still be awarded when the children have reached the school age.
4. The scholarship ends when the participant’s children have reached the age of 23 years or is married or has worked.

Pension Security is a protection program to maintain a decent life. Pension Security is given when participants reach retirement age or have a permanent total disability.

Pension Security benefits are in the form of cash, which is received every month, where the nominal is determined based on a certain formula, and/or in the form of cash received at once, where the nominal is calculated from the accumulation of all contributions plus yield of investment.

1. The following are the conditions for cash each month:
1. Pension due to old age, which is received by participants after retirement until death.
2. Pension due to disability, which is received by participants with permanent total disability due to an accident or due to illness until death.
3. Pension due to being a widow/widower, which is received by the widow/widower as the participant's heir until death or he/she is married again.
4. Pension money for children, which is received by the participant's heirs up to a maximum age of 23 years, or has worked, or is married. Pensions for children are given to a maximum of 2 children of the registered participants.
5. Pension money for parents, which is received by one of the participant's parent heirs until death, for participants who do not have husband/wife/children.

The amount of which is determined based on a certain formula; and or

2. In the form of cash received at once, the amount of which is the accumulation of all contributions plus the yield of investment.

Unemployment Benefit is a protection program given to workers/laborers who have been terminated. This program is given to maintain a decent life while the participants have not found work yet.

Unemployment Benefit benefits are in the form of cash, access to job market information, to job training. This benefit is given to participants who have been terminated, have not returned to work, and have a commitment to return to the job market, provided that the participant has had a contribution of Unemployment Benefit for at least 12 months in 24 months and has paid a contribution for at leat least 6 consecutive months.

Benefits in the form of cash are provided by the Social Security Agency for Employment.

Meanwhile, the benefits of access to labor market information and job training are organized by the ministry in the field of manpower.

The amount of benefits in the form of cash given every month is a maximum of 6 months wages with the nominal calculation as follows:

1. 45% of the monthly wage for the first 3 months.
2. 25% of the monthly wage for the next 3 months.

The basis for the wages used is taken from the most recent wages reported to the Social Security Agency for Employment with a maximum nominal value of IDR 5,000,000