Mengenal Pajak Progresif Untuk Dana Jaminan Hari Tua

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Mengenal Pajak Progresif untuk Dana Jaminan Hari Tua - Sebagai sumber penerimaan negara yang paling besar, pajak diharapkan bisa menopang pendapatan APBN semaksimal mungkin. Menurut info dari direktorat pajak, hingga 31 Agustus 2015, realisasi penerimaan pajak mencapai Rp598,270 triliun. Masih jauh dibawah target penerimaan pajak yang ditetapkan sesuai APBN-P 2015 sebesar Rp1.294,258 triliun. Jadi realisasi penerimaan pajak baru mencapai 46,22%.

Untuk mendukung penerimaan pajak tersebut salah satu obyek pajak yang menjadi target penerimaan negara dari sektor pajak adalah Dana Jaminan Hari Tua. Bahkan untuk dana jaminan hari tua ini, pemilik jaminan akan dikenakan pajak progresif saat akan mencairkan dananya.

Apa itu Jaminan Hari Tua (JHT)?

Pemerintah mengatur tentang kewajiban semua perusahaan untuk mendaftarkan karyawannya ikut program BPJS ketenagakerjaan (dulu bernama jamsostek). Program ini adalah berupa tabungan selama masa kerja yang dibayarkan kembali pada umur 55 tahun atau atau telah memenuhi persyaratan tertentu yang akandijelaskan mekanisme pencairannya dibawah ini.

Besarnya Iuran Program Jaminan Hari Tua yang diatur oleh pemerintah sebagai berikut:

• Ditanggung Perusahaan = 3,7%
• Ditanggung Tenaga Kerja = 2%

Dalam hal ini berlaku aturan bahwa premi jaminan hari tua (JHT) yang dibayar pemberi kerja tidak dimasukkan sebagai penghasilan karyawan (tidak menambah penghasilan bruto karyawan), sedangkan pengenaan pajaknya akan dilakukan pada saat karyawan yang bersangkutan mencairkan dana Jaminan Hari Tua dari BPJS Ketenagakerjaan. Dalam hitungan obyek pajak, premi jaminan hari tua yang dibayar sendiri oleh karyawan merupakan pengurang penghasilan bruto bagi karyawan dalam perhitungan PPh karyawan tersebut. Ilustrasi perhitungan akan dijelaskan dibagian akhir artikel ini.

Ilustrasi perhitungan besarnya setoran JHT pekerja sebagai berikut:

Total premi Jaminan Hari Tua BPJS Ketenagakerjaan adalah 5,7% dari total gaji yang diterima. BPJS Ketenegakerjaan yang dipercaya untuk mengelola investasi pekerja tersebut akan menempatkan dalam beberapa instrumen investasi sehingga peserta mendapatkan hasil pengembangan uang yang disetorkan.

Misalnya saja seorang pekerja dengan gaji Rp3 juta mulai ikut menjadi peserta BPJS Ketenagakerjaan dengan asumsi dana pengembangannya 10% per tahun.

• Hasil Simulasi Iuran JHT
• Jumlah Upah : Rp3.000.000
• Jumlah Tahun : 1
• Iuran perbulan : Rp171.000
• Saldo Awal : Rp0.00
• Iuran JHT : Rp2.052.000
• Hasil Pengembangan : Rp205.200
• Saldo Akhir dalam 1 tahun pertama: Rp2.257.200

Maka selama setahun kepesertaan, saldo pekerja dalam simulasi diatas sebesar Rp2.257.200. Seiring dengan kenaikan gaji, maka otomatis besaran iuran per bulannya bakal naik sehingga saldo JHT karyawan juga akan naik.

Pencairan Dana jaminan Hari Tua

Ada beberapa kali perubahan aturan mengenai pencairan pencairan dana JHT ini mulai dari ketentuan lama (jamsostek) menjadi ketentuan baru (BPJS Ketenagakerjaan) dan yang terakhir adalah ketentuan yang berlaku mulai 1 September 2015. Tidak ada hal mendasar yang berubah, hanya poin mas waktu minimal kepesertaan saja yang berubah. Para peserta BPJS Ketenagakerjaan yang baru 5 tahun terdaftar atau belum mencukupi batas waktu minimal pengambilan dana maka harus menunggu 5 tahun lagi untuk bisa mencairkan dananya (Dahulu saat program masih bernama Jamsostek, masa tunggu adalah 5 tahun). Dan setelah 10 tahun, dana bisa ditarik tapi hanya sebagian. Pemilik dana bisa menarik sebagian dana JHT meski masih terdaftar BPJS Ketenagakerjaan, tapi jumlahnya hanya 10% secara tunai atau 30% untuk keperluan pembiayaan rumah. Sesuai tujuan JHT untuk investasi masa pensiun nanti maka setelah peserta berumur 56 tahun, JHT baru bisa diberikan secara penuh.

Namun demikian, aturan tersebut diubah lagi. Dalam aturan-aturan baru tersebut, mulai 1 September 2015, Jaminan Hari Tua (JHT) para pekerja yang berhenti bekerja atau terkena PHK bisa dicairkan sesuai besaran saldo. JHT tersebut juga bisa dicairkan bagi pekerja yang meninggal dunia dan pekerja yang sudah mencapai usia 56 tahun serta Pekerja yang mengalami cacat tetap. Untuk pencairan dana JHT baik saat pensiun maupun sebelum masa pensiun mengikuti ketentuan pajak seperti uraian di bawah ini

Aturan Pajak Progresif Untuk Pencairan Dana Saldo Jaminan Hari Tua (JHT)

Pencairan dana JHT yang dikenai pajak ini diatur dalam Peraturan Pemerintah Nomor 68 Tahun 2009 tentang Tarif Pajak PPh Pasal 21 atas Penghasilan Berupa Uang Pesangon, Uang Manfaat Pensiun, Tunjangan Hari Tua, dan JHT Dibayarkan Sekaligus memposisikan dana JHT sebagai penghasilan pekerja, sehingga dana tersebut dianggap sebagai obyek pajak dan ketika diambil dikenai pajak progresif. Rincian pajak progresif tersebut sebagai berikut:

Pencairan JHT sebelum usia pensiun 56 tahun: Pemilik dana akan dikenakan pajak 5 persen

Pencairan JHT saat usia pensiun 56 tahun: Untuk pencairan dana pensiun saat usia 56 tahun terbagi dalam 4 kategori berdasarkan gaji yang diterima penerima, yaitu:

• Pencairan dana senilai Rp1 juta-50 juta dikenai pajak 5 persen
• Pencairan dana senilai Rp50.000.001-250 juta dikenai pajak 15 persen
• Pencairan dana senilai Rp250.000.001-500 juta dikenai pajak 25 persen
• Pencairan dana senilai Rp500.000.001 ke atas dikenai pajak 30 persen.

Anda masih bingung? Mari simak ilustrasi contoh berikut ini

Seorang pekerja yang terdaftar sebagai peserta BPJS Ketenagakerjaan dan terdaftar dalam program Jaminan Hari Tua (JHT) berniat keluar dari kerja buat buka usaha sendiri pas umurnya 45 tahun setelah dana JHT terkumpul Rp 200 juta.

Berapakah dana JHT yang bisa dia cairkan?

• Data JHT sebagai berikut:
• Dana JHT= Rp100 juta, Pajak Progresif 15%
• Yang boleh dibawa pulang pekerja tersebut:
• Dana JHT – (15% x Rp200 juta)
• Rp200 juta – Rp30 juta = Rp170 juta.

Menjadi peserta BPJS Ketenagakerjaan sebenarnya sangat menguntungkan karena banyak fasilitas yang bisa kita dapatkan. Sempat ada persepsi salah dalam masyarakat bahwa kebanyakan orang menilai BPJS Ketenagakerjaan hanya seputar kecelakaan kerja dan saldo, padahal masih ada lagi fasilitas lain yang sangat menguntungkan bisa kita dapatkan dengan menjadi peserta BPJS Ketenagakerjaan, diantaranya :

• Kemudahan dalam mendapatkan pinjaman uang muka Kredit Perumahan dengan suku bunga yang lunak.
• Fasilitas pinjaman Biaya Renovasi Rumah yang juga dengan bunga yang lunak.

Masyarakat Harus Mengetahui Aturan Pajak Progresif Ini

Banyak orang yang tidak menyadari kalau akan ada pajak progresif yang akan dikenakan pada peserta Jaminan Hari Tua, padahal hal itu mutlak untuk diketahui. Diperlukan adanya kesadaran masyarakat tentang pentingnya mempelajari tentang program BPJS ini sehingga mereka bisa mendapatkan berbagai fasilitas kepesertaan BPJS Ketenagakerjaan dengan maksimal. Semoga uraian tentang seluk beluk Jaminan Hari Tua di atas bisa bermanfaat buat Anda semua.

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