{"id":758,"date":"2016-05-03T10:16:26","date_gmt":"2016-05-03T03:16:26","guid":{"rendered":"https:\/\/sleekrwebsite.wpengine.com\/?post_type=panduan-hr&p=758"},"modified":"2022-12-19T17:53:22","modified_gmt":"2022-12-19T10:53:22","slug":"program-jaminan-pensiun","status":"publish","type":"blog","link":"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/","title":{"rendered":"Program Jaminan Pensiun Indonesia"},"content":{"rendered":"

Jaminan Pensiun, merupakan salah satu tunjangan yang banyak digunakan oleh perusahaan di Indonesia, kalau sebelumnya kita memahami mengenai pajak penghasilan pasal 21 (Pph 21) disini,<\/a> <\/span><\/strong>maka kali ini kita akan membahas mengenai jaminan pensiun di Indonesia.<\/p>\n

Pada tanggal 30 Juni 2015, Presiden Republik Indonesia, Joko Widodo, telah menandatangani Peraturan Pemerintah (PP) No. 45 tahun 2015 tentang Penyelenggaraan Program Jaminan Pensiun. Hal ini sesuai denan adanya ketentuan Pasal 41 ayat (8) dan Pasal 42 ayat (2) UU tentang Sistem Jaminan Sosial Nasional.<\/p>\n

Berdasarkan peraturan pemerintah tersebut, pada pasal 15 PP nomor 45 tahun 2015 disebutkan bahwa usia pensiun ditetapkan pada usia 56 (lima puluh enam) tahun, dan mulai 1 Januari 2019 usia pensiun ditetapkan menjadi 57 (lima puluh tujuh) tahun. Usia pensiun ini akan terus bertambah 1 (satu) tahun dalam setiap 3 (tiga) tahun berikutnya hingga mencapai usia pensiun 65 (enam puluh lima) tahun. Ditetapkan juga pada pasal ini bahwa, peserta dapat memilih unntuk menerima manfaat pensiun pada saat telah mencapai usia pensiun atau berhenti bekerja paling lambat 3 tahun setelah usia pensiun.<\/p>\n

Terdapat 5 manfaat pensiun yang disebutkan dalam Pasal 16 PP nomor 45 tahun 2015, yaitu:<\/p>\n

– Pensiun Hari Tua
\n– Pensiun Cacat
\n– Pensiun Janda atau Duda
\n– Pensiun Anak
\n– Pensiun Orang Tua<\/p>\n

Pada pasal 17 disebutkan bahwa manfaat pensiun dihitung dengan formula 1% dikali masa iiru dibagi 12 dan dikali rata-rata upah tahunan tertimbang selama masa iur dibagi 12. Formula perhitungan ini digunakan selama 1 tahun pertama, selanjutnya akan dikalikan dengan faktor indeksasi yang sudah ditetapkan sebesar 1 ditambah tingkat inflasi tahun sebelumnya. Untuk pertama kali manfaat pensiun ditetapkan minimum sebesar Rp. 300,000.00 dan maksimum Rp 3,600,000.00 setiap bulannya.<\/p>\n

Manfaat pensiun hari tua, diatur dalam pasal 19, \u00a0akan diterima peserta yang telah mencapai usia pensiun dan telah memiliki masa iur minimum 15 tahun atau setara dengan 180 bulan. Penghitungannya dilakukan sama dengan formula diatas, hak manfaat pensiun hari tua diperhitungkan mulai tanggal 1 pada bulan berikutnya setelah usia pensiun dan berakhir pada saat peserta meninggal dunia.<\/p>\n

Manfaat pensiun cacat, diatur dalam pasal 20, disebutkan jika manfaatnya akan diterima oleh peserta yang mengalami cacat total sebelum pensiun, penghitungannya sama dengan formula sebelumnya. Apabila peserta mengalami cacat total dan masa iur kurang dari 15 tahun, definisi dari masa iur tersebut adalah (1) peserta rutin membayar iuran dengan tingkat kepadatan minimum 80%, (2) kejadian yang menyebabkan cacat total terjadi setelah peserta mendaftar program jaminan pensiun paling lambat 1 bulan. Ha katas cacat tptal ini diperhitungkan sejak tanggal 1 setelah peserta ditetapkan cacat total oleh dokter, dan berakhir pada saat peserta meninggal dunia.<\/p>\n

Nah, berikut adalah penjelasan mengenai jaminan pensiun, untuk peraturan lengkapnya dapat di download sini.<\/a><\/span><\/strong><\/p>\n","protected":false},"author":1,"menu_order":0,"template":"","categories":[2042],"tags":[],"acf":{"cover_blog":false,"lc_button_label":"","lc_no":"","lc_desc":""},"yoast_head":"\nProgram Jaminan Pensiun Indonesia - Sleekr<\/title>\n<meta name=\"description\" content=\"Program Jaminan Pensiun di Indonesia telah diatur dalam Peraturan Pemerintah nomor 45 tahun 2015, Sleekr telah merangkum peraturan ini, disini.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Program Jaminan Pensiun Indonesia - Sleekr\" \/>\n<meta property=\"og:description\" content=\"Program Jaminan Pensiun di Indonesia telah diatur dalam Peraturan Pemerintah nomor 45 tahun 2015, Sleekr telah merangkum peraturan ini, disini.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\" \/>\n<meta property=\"og:site_name\" content=\"Sleekr\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/mekaricom\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-19T10:53:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/sleekr.co\/wp-content\/uploads\/2022\/10\/logo-sleekr-blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"229\" \/>\n\t<meta property=\"og:image:height\" content=\"32\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@mekaricom\" \/>\n<meta name=\"twitter:label1\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\"},\"author\":{\"name\":\"Sleekr\",\"@id\":\"https:\/\/sleekr.co\/#\/schema\/person\/1cc5806e4b63714acc996ce26f991042\"},\"headline\":\"Program Jaminan Pensiun Indonesia\",\"datePublished\":\"2016-05-03T03:16:26+00:00\",\"dateModified\":\"2022-12-19T10:53:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\"},\"wordCount\":397,\"publisher\":{\"@id\":\"https:\/\/sleekr.co\/#organization\"},\"articleSection\":[\"Ketenagakerjaan dan SDM\"],\"inLanguage\":\"id-ID\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\",\"url\":\"https:\/\/sleekr.co\/blog\/program-jaminan-pensiun\/\",\"name\":\"Program Jaminan Pensiun Indonesia - 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