Fasilitas BPJS Ketenagakerjaan untuk Freelancer

BPJS Employment Facilities for Freelancers

For those of you who are freelance workers, you may have been wondering whether you can get BPJS Employment facilities like office or full-time workers. The answer is yes. Since 2015, BPJS has launched guarantees for groups of informal workers or Non-Wage Earners (BPU), which includes freelancers .

The programs and benefits you will receive will not be much different from Wage Recipient (PU) workers. In accordance with Minister of Manpower Regulation 1/2016, you can take part in three programs, namely Work Accident Insurance (JKK), Death Insurance (JKM), and Old Age Security (JHT).

So, what about the fees? As a freelancer who does not receive wages regularly, your BPJS contributions are not calculated from individual wages, but from a certain nominal amount and are determined based on the amount of individual income.

According to PP 44/2015 concerning the Implementation of the JKK and JKM Program, in detail the provisions for the amount of contributions that must be paid are:

  • JKK: 1% of income, minimum IDR 10,000 and maximum IDR 207,000
  • JKM: IDR 6,800 per month
  • JHT: 2% of income with a minimum of IDR 20,000 to a maximum of IDR 414,000.

Furthermore, the deadline for payment of contributions is the 15th of each month. As a participant, you can choose to pay every 3 months, 6 months and 1 year and can choose to pay directly at the BPJS office or BPJS partners.

Work Accident Insurance (JKK)

This program has benefits in the form of health services and/or cash provided to freelancers who experience work accidents or illnesses caused by the work environment.

a. Health services

For health services, you will get several facilities, such as (1) basic examination; (2) first and advanced level care; (3) class I inpatient treatment at a government hospital, regional government hospital, or equivalent private hospital; (4) intensive care; (5) operations, and so on.

Apart from that, for those of you who cannot be treated in hospital due to certain conditions, you can also get treatment facilities at home or home care services.

b. Monetary Compensation

Monetary compensation is given by considering various conditions, such as (1) because you are temporarily unable to work, you are given 100% of your wages for the first and second 6 months; (2) maximum replacement of glasses up to IDR 1,000,000; (3) maximum denture replacement up to IDR 5,000,000; (4) maximum hearing aid replacement up to IDR 2,500,000, and disability compensation up to 70% x 80 x wages.

Death Guarantee (JK)

Death insurance provides cash benefits that are given to the heirs when the freelancer dies not as a result of a work accident or work-related disease during the active membership period. These benefits consist of:

  • Death compensation of IDR 20,000,000.
  • Periodic compensation paid at once is IDR 12,000,000.
  • Funeral costs are IDR 10,000,000.

Old Age Security (JHT)

This program aims to ensure that freelancers receive cash if they enter retirement, experience permanent total disability, or die.

Cash can be paid all at once if you:

  • Reaching the age of 56 years;
  • Stop working because you have resigned and are not actively working anywhere;
  • Affected by layoffs, and are not actively working anywhere;
  • Leave Indonesian territory forever;
  • Permanent total disability; or died.

Giving cash can also be done in part, namely a maximum of 10% to prepare for retirement. Apart from that, there can also be a maximum of 30% for home ownership if the membership period is at least 10 years and can only be taken a maximum of once.

That is information about BPJS Employment for those of you who are involved in the freelance world. For further information, you can visit the BPJS Employment page.

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