Get to know the benefits of pension insurance and the conditions for getting it

When we retire or quit a job, of course we want to be a quiet retiree without having to think about many things. Having compensation money that can support yourself and your family, living in a very quiet area so you can really rest well, and several other things that are of course the dream of almost everyone when they become retired. Therefore, if you have this dream, then you should choose retirement insurance that can make your dream come true to support old age. However, our question here is, do you already know what pension insurance itself looks like? If you want to know information related to this in depth, then please read our review below.

What is Retirement Insurance

Pension insurance is a current asset which of course must be prepared as early as possible so that it can be used to meet all the needs of insurance users after they retire from a job. Even the insurance will also be useful so that you can be financially independent in old age and not be a burden for the children.

Retirement Insurance Benefits

When you choose a retirement insurance product, it means that you are really ready to pocket the many benefits that we will get in the future. However, when viewed in general, the benefits of pension insurance are numerous, including the following:

1. Can be used as a long-term investment

When you buy a retirement insurance product, that means you have made an investment for the long term. The good news is that these investments are not taxable. You only need to pay the insurance premium every month at a value that has been agreed in advance with the pension fund health insurance provider.

2. No Need to Worry About Finances

Not only that, by participating in a pension insurance program, you can also enjoy your old age in peace without having to worry about financial problems. You can still provide a living for yourself and your family and you can also have an emergency fund without having to bother your relatives or children.

3. Can be for Inheritance

With retirement insurance, you also don't have to worry about not being able to give anything to your family if you are later faced with death. Because you can give the funds issued by pension insurance to your closest family.

Pension Insurance Requirements

It is important for you to know, that the requirements for buying a pension insurance product are very easy. With a very affordable monthly fee, of course this can make it easier for us to register. So below are some of the conditions that you must pay attention to when you want to buy a retirement insurance product yourself, including the following:

To buy or register as a member of pension insurance, prospective members must be at least 18 years old or even married.

• If you are still alone or as an individual participant, then you are required to pay a minimum monthly contribution of Rp. 100,000.
• You must also attach a photocopy of KTP/Passport/SIM or other identification.
• This pension insurance program can of course be purchased by anyone, be it individuals or other group agencies.

The above nerves are general requirements that must be considered for individual users. But if you are a civil servant then some of the conditions that must be considered include the following:

• You only need to fill out a payment request letter or also known as pension fund SPP at a related agency.
• Then you are also advised to submit several original documents as well as photocopies of the retirement decree provided by the agency where you work.
• You also have to submit several original documents related to a certificate of termination of payment or SKPP, which letter is made by a work unit and approved by an authorized agency such as the local government or KPPN.
• Please photocopy the technical consideration letter given by the BKN for anyone with the status of a PNS Group IV/c.
• Also prepare 3 pieces of 3 x 4 passport photos of husband and wife.
• Apart from that, you also have to photocopy your KTP or SIM as a sign of your personal identity.
• You also have to photocopy your account book or bank account number along with your NPWP if you have one.

For further information regarding the requirements for obtaining a pension fund from the government, you can directly view it through the official BKPP website.