BPJS: check you are registered and your contributions are reported correctly

BPJS often only feels important when something goes wrong: illness, an accident, losing a job, or wanting to withdraw JHT. That is when people find out that contributions were never paid, or were paid on a wage far lower than their actual salary. This guide helps you check now, calmly.

What the company is obliged to do

• Everyone, including foreigners who work in Indonesia for at least 6 months, must join the social security programmes (Law 24/2011 Art. 14).
• The employer must register itself and its workers with BPJS, with complete and correct data (Law 24/2011 Art. 15).
• The employer must collect your share of contributions from your pay and remit it, and pay and remit its own share (Law 24/2011 Art. 19(1) and (2)).
• As a condition of JKP participation, workers at large and medium enterprises must already be enrolled in JKK, JHT, JP and JKM and registered in JKN. For micro and small enterprises, at least JKK, JHT and JKM plus JKN registration (PP 6/2025 Art. 4(3)). Use this as a checklist of the programmes you should already have.

An employer that violates the duty to pay contributions faces criminal penalties (Law 24/2011 Art. 55). This guide does not suggest going straight to criminal routes; the first step is usually just to check and ask.

Why the reported wage matters

Some benefits are calculated from the wage recorded at BPJS Ketenagakerjaan. For example JKP: the cash benefit is calculated from the last wage the employer reported to BPJS Ketenagakerjaan (capped at Rp5,000,000), so a reported wage lower than your real one means a smaller benefit (PP 6/2025 Arts. 11 and 21). JKP also requires at least 12 months of contributions within the 24 months before termination (PP 6/2025 Art. 19(3)). So unpaid contributions can cost you the entitlement.

See also laid off for a summary of JKP.

How to check

1. Ask for your membership numbers. Ask HR or finance for your BPJS Ketenagakerjaan KPJ number and your BPJS Kesehatan membership number, if you do not have them.
2. Install and log in to the JMO (Jamsostek Mobile) app from BPJS Ketenagakerjaan. In the Jaminan Hari Tua menu, choose Cek Saldo, select your KPJ, and the JHT balance is shown together with the reported data (BPJS Ketenagakerjaan, tutorial on checking the JHT balance).
3. Cross-check. Look at three things: are you registered, do contributions arrive every month without gaps, and does the reported wage match your payslip.
4. Find out which programmes you are enrolled in (JKK, JKM, JHT, JP, JKP) and compare with the list of programmes above.

If something looks off

1. Write down what you found: which months are missing, how big the wage gap is.
2. Ask HR or finance in writing, politely. Often the cause is administrative (data not updated, input error).
3. If there is no answer or it is unsatisfactory, contact BPJS Ketenagakerjaan through its official channels. The JMO app has a Tracking Pengaduan (complaint tracking) menu, and BPJS Ketenagakerjaan’s service pages list the “Tanya 175” service.
4. If you are still stuck, take your findings to the district or city manpower office or a legal adviser.

When to get help

• You were never registered, or many months of contributions are missing.
• The reported wage is far below your actual wage.
• The contribution deduction appears on your payslip but is not recorded at BPJS.
• You need to file a claim (JHT, JKK, JKP) but the data is a problem.

Places to try: BPJS Ketenagakerjaan, the district or city manpower office, LBH (Lembaga Bantuan Hukum, legal aid institutes), or a lawyer. REKATI is not affiliated with them and does not take cases.

A note for foreign workers

Foreigners who work in Indonesia for at least 6 months must join the social security programmes (Law 24/2011 Art. 14). This guide gives no advice on residence permits or visas.

What may change

BPJS technical rules can change through implementing regulations. For example, the JKP rules were amended by PP 6/2025 in February 2025. Check the latest information with BPJS Ketenagakerjaan before filing a claim.