Jamsostalks: BPJS Ketenagakerjaan Mendadak Viral Di Desa-Desa, Kenapa Ya?

Summary

This episode of the BPJS Ketenagakerjaan podcast highlights the organization's efforts to expand social security protection to informal workers, particularly in rural areas. The guest, Bu Oni, Deputy for Communication at BPJS Ketenagakerjaan, discusses the 'Kerja Keras Bebas Cemas Masuk Desa' program, aimed at protecting informal workers like farmers, fishermen, and small business owners from job-related risks. They emphasize the importance of insurance coverage for work-related accidents, death, and old age, with affordable premiums. The episode encourages both urban and rural workers to register for social security to reduce financial burdens during unforeseen events.

Takeaways

• 😀 BPJS Ketenagakerjaan provides protection for both formal and informal workers in Indonesia, including those in rural areas.
• 🛡️ The program 'Kerja Keras Bebas Cemas' (Work Hard, Free from Worry) aims to expand protection for workers, especially in rural and vulnerable sectors like farmers, fishermen, and micro-businesses.
• 🏞️ The focus of this initiative is to ensure that workers in rural and informal sectors can access social security programs, similar to those available to urban, formal workers.
• 💡 Workers in informal jobs such as waste collectors and electricians, often facing high risks, are also included under BPJS Ketenagakerjaan's coverage.
• 👩‍💻 Social security for informal workers includes three main programs: accident insurance (JKK), death benefits (JKM), and old-age security (JHT), with contributions starting from as low as 36,800 IDR.
• 🧑‍🌾 BPJS's outreach in rural areas aims to protect workers who may not be aware of the potential risks in their jobs, such as electricians or fishermen.
• 👩‍🏫 A key concern among workers is the high cost of hospital care following work accidents, which BPJS Ketenagakerjaan helps to alleviate by offering unlimited hospital coverage.
• 🎓 BPJS Ketenagakerjaan also provides educational scholarships up to 174 million IDR for the children of workers who suffer from work-related accidents or fatalities.
• 🤝 BPJS Ketenagakerjaan employs various methods to reach out to rural workers, including the use of agents and digital services like the Jamsostek Mobile (JMO) app.
• 📱 Registration for BPJS Ketenagakerjaan can be done through multiple channels, including local agents, corporations, and online platforms, making it accessible for rural workers.

Q & A

What is the 'Kerja Keras Bebas Cemas' program mentioned in the podcast?

'Kerja Keras Bebas Cemas' (KKBC) is a program by BPJS Ketenagakerjaan aimed at protecting workers from work-related risks. It was first launched in October 2022 to emphasize BPJS's role in safeguarding both formal and informal workers from the risks associated with their jobs.

Who can be protected under BPJS Ketenagakerjaan?

All Indonesian workers can be protected under BPJS Ketenagakerjaan, including formal office workers and informal workers such as fishermen, farmers, traders, and those working in UMKM (micro, small, and medium enterprises).

Why did BPJS Ketenagakerjaan expand the KKBC program to rural areas?

BPJS Ketenagakerjaan expanded the KKBC program to rural areas to provide protection to informal workers in those regions, such as farmers and fishermen. The aim is to ensure that workers in rural areas are not excluded from social protection against job-related risks.

What unique types of workers were encountered during the program's rural outreach?

During outreach in Lombok, the program team encountered unique informal workers such as garbage collectors and electricians, both of whom face high occupational risks but were previously unaware of the protection offered by BPJS Ketenagakerjaan.

What is the major concern of workers regarding work-related risks?

Many workers, especially in informal sectors, fear high medical expenses resulting from work-related injuries or accidents. For example, a fisherman mentioned that while he is not afraid of dying, he is worried about the financial burden of hospital bills.

What benefits do workers receive by participating in BPJS Ketenagakerjaan?

Participants of BPJS Ketenagakerjaan receive benefits such as accident insurance (JKK), death insurance (JKM), and an old-age savings program (JHT). These programs ensure coverage for medical bills, death benefits, and savings for retirement.

How much is the contribution to BPJS Ketenagakerjaan for informal workers?

The contribution starts from as low as IDR 36,800 per month, which includes IDR 16,800 for accident and death insurance (JKK and JKM) and an additional IDR 20,000 for the old-age savings program (JHT).

What is the significance of joining all three programs (JKK, JKM, and JHT)?

Joining all three programs ensures complete protection for workers, covering work-related accidents, death, and providing savings for retirement. This comprehensive package offers peace of mind by addressing a wide range of risks.

What is the difference in the approach to promoting BPJS Ketenagakerjaan in rural areas?

The approach in rural areas focuses on tailoring the message to the specific needs of informal workers, such as farmers and fishermen. Since these workers face unique risks, the emphasis is placed on accident coverage and medical expense protection.

How can workers register for BPJS Ketenagakerjaan, especially in rural areas?

Workers can register through several easy channels, including the nearest BPJS Ketenagakerjaan branches, agents known as 'Perisai,' or digitally via the Jamsostek Mobile app (JMO). The program aims to simplify registration, even in remote areas.