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Pension questions

Indonesia pension questions

These are the questions people search about a pension left in Indonesia. Each page answers its question in the first two sentences, and we show those two sentences below, read from the official source with the date we read it. We identify where a pension is likely held and the route to it. We do not give advice.

English

  • Can foreigners withdraw BPJS JHT when they leave Indonesia?

    JHT (Jaminan Hari Tua) is paid out in full as a lump sum when the participant leaves Indonesian territory for good (among the other triggers: age 56, resignation or termination while not working anywhere, total permanent disability, death). The free route is the JMO app, and the authority's own page states that withdrawal through JMO can only be done by workers who are Indonesian citizens, not foreign workers.

    • Source: bpjsketenagakerjaan.go.id, read 1 September 2026
    • Source: bpjsketenagakerjaan.go.id, read 4 October 2026

  • Do I get a BPJS pension with less than 15 years of contributions?

    A periodic pension from the Jaminan Pensiun program, instead of a lump sum refund, requires 15 years of contribution period (masa iur) by retirement age. If a Participant reaches Retirement Age before completing a 15 year Contribution Period, they are instead entitled to the full accumulation of their Contributions plus investment returns as a lump sum.

    • Source: bpjsketenagakerjaan.go.id, read 1 September 2026

  • What is the BPJS Ketenagakerjaan pension age?

    Retirement age became 58 on 1 January 2022 and rises by a year every three years toward 65, so a short Indonesian stint sits still for decades and moves only when someone files. A worker who reaches Indonesian pension age but keeps working may defer taking the Jaminan Pensiun benefit only up to three years past pension age.

    • Source: bpjsketenagakerjaan.go.id, read 4 October 2026
    • Source: bpjsketenagakerjaan.go.id, read 1 September 2026

  • How long after resigning can I withdraw JHT?

    An old age savings (JHT) lump sum can be paid only once one month has passed from the issuance of a resignation certificate. The JHT lump sum can be paid only once one month has passed from the date of termination (PHK).

    • Source: jdih.kemnaker.go.id, read 1 September 2026

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