ZAINAL Abidin is really down on his luck. For two years he had been waiting to cash out his old-age benefits (JHT) funds from the state’s social security insurance provider, BP Jamsostek, after losing his job in March 2020.

Zainal’s plan to cash out his JHT has been delayed because the company he was employed by had premium arrears. When the company in the South Jakarta area paid off the arrears, a new problem arose. Zainal’s e