BPJS Ketenagakerjaan has announced several important updates to Indonesia’s Pension Security Program (Jaminan Pensiun) for 2026. These changes are implemented in accordance with Government Regulation (PP) No. 45 of 2015 on Pension Program Administration.
The updates affect the retirement age, pension benefit amounts, and the maximum wage limit used to calculate pension contributions. Employers and HR teams should review these changes to ensure compliance when calculating contributions starting in 2026.
Adjustment of Pension Contribution Wage Ceiling
Under Article 29 of PP No. 45 of 2015, BPJS Ketenagakerjaan adjusts the maximum wage limit used for calculating Pension Security contributions annually. The adjustment is determined based on a factor of one plus the previous year’s Gross Domestic Product (GDP) growth rate.
According to the Central Statistics Agency (Badan Pusat Statistik – BPS), Indonesia’s GDP grew by 5.11% in 2025 (Official Release No. 18/02/Th. XXIX dated 5 February 2026).
Based on this growth rate, BPJS Ketenagakerjaan has introduced updated pension parameters effective in 2026.
New Retirement Age in 2026
The regulation also states that the retirement age will increase gradually.
The retirement age was first set at 56 years in 2015 and increases by one year every three years until reaching 65 years.
Starting in 2026, the official retirement age under the BPJS Ketenagakerjaan Pension Program is: 59 years
Pension Benefit Range for 2026
BPJS Ketenagakerjaan has also confirmed the minimum and maximum pension benefits for 2026 participants.
The pension benefits are set as follows:
• Minimum pension benefit: Rp 411,400 per month
• Maximum pension benefit: Rp 4,932,300 per month
These amounts represent the pension benefits paid to eligible participants under the Jaminan Pensiun program.
Maximum Wage Limit for Pension Contribution Calculation
Another important change is the updated maximum wage ceiling used to calculate Pension Security contributions.
Effective from the March 2026 contribution period, the wage cap is set at: Rp 11,086,300 per month
This means pension contributions will only be calculated up to this wage limit, even if an employee’s salary exceeds the amount.
Employees Can Check JHT Balance via JMO App
BPJS Ketenagakerjaan also encourages participants to review their Jaminan Hari Tua (JHT) balance details for 2025 through the Jamsostek Mobile (JMO) application.
The application is available on:
• Google Play Store (Android)
• Apple App Store (iOS)
Through the JMO app, participants can conveniently access their contribution records, benefit balances, and other BPJS Ketenagakerjaan services.
What Employers Should Do
With these updates in effect, employers should:
- Ensure pension contributions are calculated using the new wage ceiling starting March 2026
- Review payroll systems to ensure compliance with the updated BPJS Ketenagakerjaan rules
- Inform employees about the updated retirement age and pension benefit information
- Encourage employees to use the JMO application to access their JHT balance details
Keeping up with regulatory updates is essential for maintaining compliance and ensuring employees receive the correct social security benefits.
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At Link Compliance, we closely monitor regulatory developments in Indonesia to help businesses stay aligned with evolving employment and social security requirements.
Email: info@linkcompliance.com | More information: www.linkcompliance.com
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Disclaimer: The information provided herein is based on publicly available sources and is intended for general guidance only. It should not be relied upon as a substitute for professional tax or legal advice. Readers are encouraged to seek independent advice specific to their circumstances.
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