Cara Mengurus Uang Kematian

>Hello, Sohib EditorOnline! Losing someone we love is always difficult, and it’s even harder when we have to deal with the financial matters that come with it. In this article, we’ll discuss the steps and procedures for handling money matters after the death of a loved one in Indonesia.

1. What is uang kematian?

Uang kematian, or death money, is the amount of money that the deceased’s family or heirs are entitled to receive from their employer, social security or insurance company. The amount of uang kematian may vary depending on the cause of death and the company’s policy.

When a person dies, the money that they leave behind can be a significant source of financial support for their family. However, it can also be a source of confusion and stress when it comes to distributing it properly. The process of handling uang kematian can be complicated, but it’s essential to understand the steps involved to ensure that the money is distributed correctly.

2. Who is entitled to receive uang kematian?

According to Article 165 of the Indonesian Labor Law, the primary beneficiary of the uang kematian is the deceased employee’s spouse. If the spouse has passed away or is not legally recognized, the money will be distributed to the children. If there are no children, the money will go to the parents, and if the parents are deceased, the money will be distributed among the heirs.

If the deceased employee did not have any family members or beneficiaries, the uang kematian will become the property of the company or employer.

3. How to claim uang kematian from the employer?

Employers are required to pay uang kematian to the beneficiary within one month after the employee’s death. To claim uang kematian from the employer, the primary beneficiary must submit the following documents:

1. The original death certificate
2. A copy of the employee’s ID card
3. A copy of the marriage certificate (for spouses)
4. A copy of the birth certificates of the children (for children)
5. A letter of authority from the other beneficiaries (if applicable)

The employer will also require the beneficiary to complete and sign a claim form. Once all the necessary documents have been submitted, the employer will process the claim and pay the uang kematian to the beneficiary.

3.1. What if the employer refuses to pay?

If the employer fails to pay the uang kematian to the beneficiary within one month after the employee’s death, the beneficiary can file a complaint to the local manpower office. The manpower office will investigate the complaint and take legal action against the employer if necessary.

4. How to claim uang kematian from the social security office?

Social security benefits are available to employees who have contributed to the program during their lifetime. To claim uang kematian from the social security office, the primary beneficiary must submit the following documents:

1. The original death certificate
2. A copy of the employee’s ID card
3. A copy of the marriage certificate (for spouses)
4. A copy of the birth certificates of the children (for children)
5. A letter of authority from the other beneficiaries (if applicable)
6. The deceased employee’s social security account number

The social security office will also require the beneficiary to complete and sign a claim form. Once all the necessary documents have been submitted, the social security office will process the claim and pay the uang kematian to the beneficiary.

4.1. What if the deceased employee was not a member of the social security program?

If the deceased employee was not a member of the social security program, the beneficiary may be eligible to receive benefits from other insurance programs or the deceased employee’s personal insurance policies. The beneficiary should contact the insurance companies to inquire about the benefits and the claims process.

5. How to claim uang kematian from the insurance company?

If the deceased employee had an insurance policy, the beneficiary must contact the insurance company to file a claim for uang kematian. The insurance company will require the following documents:

1. The original death certificate
2. A copy of the policyholder’s ID card
3. A copy of the marriage certificate (for spouses)
4. A copy of the birth certificates of the children (for children)
5. A letter of authority from the other beneficiaries (if applicable)
6. A copy of the insurance policy

Once all the necessary documents have been submitted, the insurance company will process the claim and pay the uang kematian to the beneficiary.

5.1. What if the beneficiary is not named in the insurance policy?

If the beneficiary is not named in the insurance policy, the deceased employee’s estate will receive the uang kematian, and the executor or administrator of the estate will distribute it according to the deceased employee’s will or the laws of intestacy.

6. What is the tax implication of receiving uang kematian?

In Indonesia, the uang kematian is not subject to income tax if it is received by the primary beneficiary or the heirs.

7. How to avoid probate for uang kematian?

The probate process is the legal procedure for distributing a deceased person’s assets according to their will or the laws of intestacy. However, uang kematian is not subject to probate if it is paid directly to the beneficiary or heirs.

To avoid probate for uang kematian, it is essential to ensure that the beneficiary or heirs are named in the policy, social security account or the employment contract as the primary beneficiaries.

8. Conclusion

Handling uang kematian can be a stressful and emotional process. However, it’s essential to understand the procedures and requirements for claiming and distributing the money to ensure that it’s done correctly. By following the steps outlined in this article, the beneficiary or heirs can receive the uang kematian without unnecessary delays or complications.

Cara Mengurus Uang Kematian