Indonesian social security runs through BPJS Ketenagakerjaan for employment programmes and BPJS Kesehatan for health.
The four employment programmes
- JKK — work-accident insurance, 0.24% to 1.74% of salary by industry risk. Office and tech roles sit near the bottom of that range.
- JKM — death benefit, 0.3%
- JHT — old-age savings, 3.7% employer plus 2% employee
- JP — pension, 2% employer plus 1% employee, capped against IDR 11,086,300 as of March 2026
Together BPJS Ketenagakerjaan and BPJS Kesehatan run about 10 to 12% of salary on the employer side.
JKP — the unemployment benefit
The Job Creation Law introduced Jaminan Kehilangan Pekerjaan, unemployment security, administered by BPJS Ketenagakerjaan.
Terminated employees receive cash benefits, access to labour market information and job training.
The point most people miss
The JKP benefit is paid separately from severance and does not reduce the employer's severance obligation.
Both run simultaneously and independently. You are entitled to both.
Why BPJS matters at termination
Contributions must be current before a PHK process can close cleanly. Termination compliance and BPJS compliance are directly linked.
If your employer has gaps, that is a problem for them and a point you can raise.
Verify your record
A deduction on your payslip does not prove remittance. Check your BPJS record directly.
Gaps affect your old-age savings, your pension and your access to JKP when you need it.
What to check
- That JHT and JP employee shares appear on your payslip
- That your registered salary matches your actual salary
- That BPJS Kesehatan is also active
- That contributions are current, not in arrears
Why the registered salary matters
Because severance multipliers apply to monthly salary, and BPJS benefits are calculated on registered earnings. An under-declared salary reduces both.