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Ada Pertanyaan? Hubungi Kami Robert Sidauruk, Ady TD Achmad
The Social Security Agency for Labor (“BPJS Labor”) and the government are currently preparing implementing regulations for the employee benefits programs that will come into force on 1 July this year. These regulations will cover work-related accidents, retirement insurance, death insurance, and pension insurance.Elvyn G Masassya, President Director of BPJS Labor, indicated that work-related accidents and death insurance coverage will be regulated in one government regulation, while retirement insurance and pension insurance will be regulated separately in two different government regulations.
Additionally, to harmonize several new aspects of the government regulations, Mr. Masassya said that the government will also amend Government Regulation No. 99 of 2013on Management of Social Security for Labor Assets (“Assets Regulation”).
Under the new scheme for work-related accidents and death coverage, benefits will not only be granted to beneficiaries of the deceased, but also their children. Children will be entitled to a certain payment as a scholarship if their parent’s death is a result of a work accident. This benefit, according to Mr. Masassya, was not covered by the previous social security agency, PT. Jamsostek.
The premium for retirement insurance will be set at 0.3% of the employee’s monthly salary and the premium for death coverage will be set around 0.24 – 1.74%. These two programs are also available to informal workers, with the monthly premium fee to be around IDR 6,000 – 6,500 per person.
In regard to retirement benefits, Mr. Masassya explained that there will be new benefit for employees. Each participant will be entitled to access a housing mortgage facility organized by BPJS Labor, with a lower interest rate compared to normal credit facilities. Moreover, after 10 years, the participant may also allocate approximately 10 – 30% of their retirement funds held in the insurance program to buy house.
In addition to regulating the existing insurance program, Mr. Masassya also said that the BPJS Labor is also formulating a new insurance benefit scheme, a labor housing program. Under this new program, BPJS Labor will facilitate the establishment of several types of housing for workers, covering simple apartments that may be leased or owned, and low-rising house.
To support this new housing program, BPJS Labor and the government will amend the Assets Regulation, especially provisions on the maximum investment funds in the property sector.
Only Six Months to Go
Considering the substantial content to be incorporate into the new regulations, Timboel Siregar from BPJS Watch, has expressed concerns about the timing of the issue of the regulations. In reality, Labor has only six months to prepare the new programs before the new social security for labor system full comes into force on 1 July.
Mr. Siregar also said that it is important the new regulations be issued as early as possible so that the public has and opportunity to provide input and feedback. BPJS Labor should learn from the mistakes made by BPJS Health in issuing important regulations just before the program was implemented.
“We are concerned that the implementation of social security for labor program will be similar to the social security for health program, where important regulations were issued shortly before it was implemented,” emphasized Mr. Siregar.
(hot/kc)
Robert Sidauruk, Ady TD Achmad
The Social Security Agency for Labor (“BPJS Labor”) and the government are currently preparing implementing regulations for the employee benefits programs that will come into force on 1 July this year. These regulations will cover work-related accidents, retirement insurance, death insurance, and pension insurance.Elvyn G Masassya, President Director of BPJS Labor, indicated that work-related accidents and death insurance coverage will be regulated in one government regulation, while retirement insurance and pension insurance will be regulated separately in two different government regulations.
Additionally, to harmonize several new aspects of the government regulations, Mr. Masassya said that the government will also amend Government Regulation No. 99 of 2013on Management of Social Security for Labor Assets (“Assets Regulation”).
Under the new scheme for work-related accidents and death coverage, benefits will not only be granted to beneficiaries of the deceased, but also their children. Children will be entitled to a certain payment as a scholarship if their parent’s death is a result of a work accident. This benefit, according to Mr. Masassya, was not covered by the previous social security agency, PT. Jamsostek.
The premium for retirement insurance will be set at 0.3% of the employee’s monthly salary and the premium for death coverage will be set around 0.24 – 1.74%. These two programs are also available to informal workers, with the monthly premium fee to be around IDR 6,000 – 6,500 per person.
In regard to retirement benefits, Mr. Masassya explained that there will be new benefit for employees. Each participant will be entitled to access a housing mortgage facility organized by BPJS Labor, with a lower interest rate compared to normal credit facilities. Moreover, after 10 years, the participant may also allocate approximately 10 – 30% of their retirement funds held in the insurance program to buy house.
In addition to regulating the existing insurance program, Mr. Masassya also said that the BPJS Labor is also formulating a new insurance benefit scheme, a labor housing program. Under this new program, BPJS Labor will facilitate the establishment of several types of housing for workers, covering simple apartments that may be leased or owned, and low-rising house.
To support this new housing program, BPJS Labor and the government will amend the Assets Regulation, especially provisions on the maximum investment funds in the property sector.
Only Six Months to Go
Considering the substantial content to be incorporate into the new regulations, Timboel Siregar from BPJS Watch, has expressed concerns about the timing of the issue of the regulations. In reality, Labor has only six months to prepare the new programs before the new social security for labor system full comes into force on 1 July.
Mr. Siregar also said that it is important the new regulations be issued as early as possible so that the public has and opportunity to provide input and feedback. BPJS Labor should learn from the mistakes made by BPJS Health in issuing important regulations just before the program was implemented.
“We are concerned that the implementation of social security for labor program will be similar to the social security for health program, where important regulations were issued shortly before it was implemented,” emphasized Mr. Siregar.
(hot/kc)