Pension question, Indonesia
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.
What to do next
- Count the years you paid into BPJS Ketenagakerjaan.
- Work out the year you reach the Indonesian pension age.
- Run our free check to see which other countries may hold a pension in your name.
Check your own working life for free
Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.
Run the free checkQuestions people also ask
What do JHT and JP cost?
JHT costs 5.7 per cent of wages, 3.7 from the employer and 2 from the worker.
- Source: bpjsketenagakerjaan.go.id, read 4 October 2026
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.