Kebutuhan Dasar Layak dan Upah/
Pensiun
Hasbullah Thabrany
Konsultan
Dewan Jaminan Sosial Nasional
Kebutuhan Dasar
UNIVERSAL
Jaman baheula. Cukup makan pokok, perut isi. Bisa
kerja, beribadah, dll. Ada zakat Fitrah. Lalu ada zakat
fi
sabilillah,
sedang belajar.
Standar hidup naik. Makan bergizi seimbang, pakaian,
dan perumahan jadi standar. SUDAH?
Standar naik lagi. Air bersih, pendidikan, dan
layanan kesehatan
Lebih lanjut: luas dan kualitas rumah,
transportasi, komunikasi, dan rekreasi
Rasio klaim JKK sangat
kecil, sekiar 20%. Buruh
mati atau cacad total
tetap, TIDAK dapat
pensiun bulanan.
Keluarga?
Kita sudah Merdeka?
Banyak pekerja
belum!
Apalagi anggota
keluarganya.
Perusahaan TIDAK
MAMPU bayar UML,
Laba kecil? Atau
Merugi?. Siapa yang
ungkap?
Sebagian hidup
Merdeka Sekali.
Ketika Aktif –
Kebutuhan Dasar Pekerja Terpenuhi
•
Sebagian besar BELUM masuk tingkat III,
pendidikan dan rumah layak.
•
Ketika sakit, lumayan ada JKN, meskipun tahan
penyakit ketika antri.
•
Ketika masuk Lansia? Hanya Pegawai Negeri dan
Wakil Rakyat yang Merdeka, meskipun belum
bahagia
–
Haruskah pekerja mengandalkan anak? Hasil
tani/kebun ada?
–
Sampai tingkat dasar mana? Tingkat I? sekedar
makanan pokok??
Kita Peduli?
•
Berapa % Lansia yang punya “income pensiun”
(bulanan)
•
Berapa % kebutuhan dasar pensiunan
terpenuhi? Dasar yang mana?
•
Berapa % yang sudah mengiur untuk Pensiun?
•
Belum mampukah kita mengiur untuk
pensiun?
Peraturan Pensiun & JHT - BURUK
•
Pemerintah belum hadir,
baru mengintip
pemenuhan kebutuhan sangat mendasar
•
Pemerintah terjebak “pikiran pendek” pekerja.
Masa depan?
kumaha engke wae!
•
Dana JHT, diambil sebelum Lansia. Pinjam
boleh
•
Iuran 3%, prediksi manfaat uang pensiun
bulanan cukup apa?
Mari tengok dan Belajar dari Negara
Lain
Dana Pensiun, MENJAMIN Kebutuhan
Dasar Lansia, SEKALIGUS menghimpun
dana pembukaan lapangan kerja
Jaminan Pensiun—
Ukuran Kehadiran Negara bagi Pekerja
Negara
% lansia dg uang pensiun
(th)
GDP/Cap 2015 (Int $)
China
74,4 (2011)
14.450
Malaysia
19,8 (2010)
26.950
Muangtai
81,7 (2010)
16.340
Indonesia
8,1 (2010)
11.058
Tajikistan
80,2 (2011)
2.834
Turki
88,1 (2010)
20.009
Ukraina
95,0 (2011)
7.940
Viet Nam
34,5 (2010)
6.034
Negara maju,
hampir
semua 100%
Data tsb menggambarkan
Indonesia KURANG peduli nasib
pekerja swasta di usia lanjut
Diolah dari data ILO, 2017
Intip Jaminan Sosial AS, OASDI 2015.
Di luar Kesehatan
Calendar Year 2015 Operations
B. TRUST FUND FINANCIAL OPERATIONS IN 2015
Table II.B1 shows the income, expenditures, and asset reserves for the OASI,
the DI, and the combined OASI and DI Trust Funds in calendar year 2015.
Note: Totals do not necessarily equal the sums of rounded components.
In 2015, net payroll tax contributions accounted for 86 percent of total trust
fund income. Net payroll tax contributions consist of taxes paid by
employ-ees, employers, and the self-employed on earnings covered by Social
Secu-rity. These taxes are paid on covered earnings up to a specified maximum
annual amount, which was $118,500 in 2015. Table II.B2 shows the tax rates
for 2015.
In 2015, approximately 0.04 percent of OASI and DI combined Trust Fund
income came from reimbursements from the General Fund of the Treasury.
Public Laws 111-312, 112-78, and 112-96 account for most of the
reimburse-ment for the year. These acts specified General Fund reimbursereimburse-ment for
tem-porary reductions in revenue due to reduced payroll tax rates for employees
and for self-employed workers for 2011 and 2012.
Three percent of OASI and DI combined Trust Fund income in 2015 came
from subjecting up to 50 percent of Social Security benefits to Federal
per-Table II.B1.—Summary of 2015 Trust Fund Financial Operations
[In billions]OASI DI OASDI Asset reserves at the end of 2014. . . $2,729.2 $60.2 $2,789.5 Total income in 2015 . . . 801.6 118.6 920.2 Net payroll tax contributions . . . 679.5 115.4 794.9 Reimbursement from General Fund of the Treasury . . . .3 a
aLess than $50 million.
.3 Taxation of benefits . . . 30.6 1.1 31.6 Interest . . . 91.2 2.1 93.3 Total expenditures in 2015b. . . .
bBenefit payments which were scheduled to be paid on January 3, 2016 were actually paid on
December 31, 2015 as required by the statutory provision for early delivery of benefit payments when the normal payment delivery date is a Saturday, Sunday, or legal public holiday. The amount of these payments made on an accelerated basis was approximately $19.7 billion for the OASI Trust Fund and $6.1 billion for the DI Trust Fund. For comparability with the values for historical years and the projections in this report, all trust fund operations and asset reserves reflect the 12 months of benefits scheduled for payment each year.
750.5 146.6 897.1 Benefit paymentsb . . . 742.9 143.4 886.3 Railroad Retirement financial interchange . . . 4.3 .4 4.7 Administrative expenses . . . 3.4 2.8 6.2 Net increase in asset reserves in 2015b . . . 51.0 -28.0 23.0 Asset reserves at the end of 2015b. . . 2,780.3 32.3 2,812.5
Total PDB 2015, US$ 18.036 milyar. Dana OASDI US$ 2.789 = 15,5%
PDB Indonesia 2015: Rp 11.540, dana pensiun SEMUA Rp 415 T = 3,6%
3/1/2017 Hasbullah Thabrany - Kebutuhan dasar &Bagaimana Mereka Nabung?
WAJIB IUR
Overview
sonal income taxation for beneficiaries with income (including half of
bene-fits and all non-taxable interest) exceeding specified levels. Interest earned
on invested trust fund asset reserves accounted for 10 percent of OASDI
income. The Department of the Treasury invests trust fund reserves in
inter-est-bearing securities issued by the U.S. Government. In 2015, the combined
trust fund reserves earned interest at an effective annual rate of 3.4 percent.
Almost 99 percent of expenditures from the combined OASI and DI Trust
Funds in 2015 were retirement, survivor, and disability benefits totaling
$886.3 billion. A net payment of $4.7 billion was made to the Railroad
Retirement Social Security Equivalent Benefit Account from the combined
OASI and DI Trust Funds, which was about 0.5 percent of total OASDI
expenditures. The administrative expenses of the Social Security program
were $6.2 billion, which was about 0.7 percent of total expenditures.
The trust fund investments provide a reserve to pay benefits whenever total
program cost exceeds income. Trust fund reserves increased by $23.0 billion
for 2015 because total income to the combined funds, including interest
earned on trust fund reserves, exceeded total expenditures.
1
At the end of
2015, the combined reserves of the OASI and the DI Trust Funds were
$2,813 billion, or 303 percent of estimated expenditures
2
for 2016. In
com-parison, the combined reserves at the end of 2014 were 311 percent of
expen-ditures for 2015.
1
As noted in footnote b of table II.B1 and elsewhere in this report, asset reserves shown for the end of 2015
reflect the 12 months of benefits scheduled for payment in 2015 and thus exclude the benefits scheduled for
payment on January 3, 2016, which were actually paid on December 31, 2015 as required by the law.
2
Estimated expenditures are based on the intermediate set of assumptions.
Table II.B2.—Payroll Tax Contribution Rates for 2015
[In percent]
OASI
DI
OASDI
Payroll tax contribution rate for employees . . .
5.30
0.90
6.20
Payroll tax contribution rate for employers . . .
5.30
.90
6.20
Payroll tax contribution rate for self-employed persons . . .
10.60
1.80
12.40
Semua Pegawai di AS, termasuk yang kontrak/alih daya,
IUR 12,4% untuk pensiun dan cacad. TIDAK ada batas
upah.
Maka, Dana Jamsos mencapai hampir US$ 3 Triliun.
Membuka lapangan kerja dan mensejahterakan
3/1/2017 Hasbullah Thabrany - Kebutuhan dasar &