Tanggung Jawab Hukum PT BPR Bank Bantul (Perseroda) terkait Dana Talangan atas Gagal Bayar Manfaat Asuransi Pekerja (Studi Kasus Putusan Pengadilan Hubungan Industrial Nomor 2/Pdt.Sus-PHI/2024/PN Yyk)

Jasmine Nur Fauzia, Nailul Amany, S.H., M.H.

2026 | Skripsi | ILMU HUKUM

Penelitian ini bertujuan untuk menganalisis tanggung jawab hukum PT BPR Bank Bantul (Perseroda) selaku pemegang polis terhadap pekerja selaku penerima manfaat atas pembayaran dana talangan manfaat Asuransi Jiwa Hari Tua Kumpulan Program IDAMAN dalam kasus Putusan Nomor 2/Pdt.Sus-PHI/2024/PN Yyk. Penelitian ini juga menganalisis bentuk pelindungan hukum bagi Pekerja atas gagal bayar manfaat asuransi tersebut oleh AJB Bumiputera 1912 selaku penanggung.

Penelitian ini merupakan penelitian hukum normatif yang bersifat deskriptif. Pengumpulan bahan hukum dilakukan melalui studi pustaka terhadap bahan hukum primer, sekunder, dan tersier. Analisis dilakukan secara kualitatif melalui interpretasi terhadap bahan hukum yang telah diolah.

Hasil penelitian ini menunjukkan bahwa PT BPR Bank Bantul (Perseroda) tidak dapat dibebankan tanggung jawab hukum berupa tanggung jawab kontraktual maupun tanggung jawab perbuatan melawan hukum atas pembayaran dana talangan manfaat Asuransi Jiwa Hari Tua Kumpulan Program IDAMAN. Secara kontraktual, tidak terdapat perjanjian, perjanjian kerja, maupun perjanjian kerja bersama yang mewajibkan pemberi kerja untuk menalangi manfaat asuransi. Secara perbuatan melawan hukum, unsur yang disyaratkan Pasal 1365 KUHPerdata tidak terpenuhi secara kumulatif. Pelindungan hukum bagi pekerja PT BPR Bank Bantul (Perseroda) yang tidak menerima manfaat asuransi tersebut pada dasarnya merupakan pelindungan ekonomis, karena menyangkut hilangnya penghasilan pasca?kerja. Pelindungan ekonomis tersebut paling tepat ditempuh melalui jalur represif terhadap AJB Bumiputera 1912 selaku perusahaan asuransi yang menanggung manfaat asuransi tersebut, melalui gugatan wanprestasi atau perbuatan melawan hukum disertai permohonan sita jaminan, bukan melalui gugatan terhadap PT BPR Bank Bantul (Perseroda) sebagai pemegang polis.

This research aims to analyze the legal liability of PT BPR Bank Bantul (Perseroda) as the policyholder toward workers as beneficiaries regarding the bailout fund of the IDAMAN Group Old-Age Life Insurance Program benefit in the case of Decision Number 2/Pdt.Sus-PHI/2024/PN Yyk. This research also analyzes the forms of legal protection for workers regarding the payment default of said benefit by AJB Bumiputera 1912 as the insurer.

This research is a normative legal study with a descriptive character. Legal materials were collected through library research covering primary, secondary, and tertiary sources. Analysis was conducted qualitatively through interpretation of the processed legal materials.

This research finds that PT BPR Bank Bantul (Perseroda) cannot be imposed with legal liability in the form of contractual liability nor liability for unlawful act for the payment of bailout fund for benefit claims of the IDAMAN Group Old-Age Life Insurance Program. Contractually, there exists no agreement, employment agreement, nor collective labor agreement that obliges the employer to cover the insurance benefit. In terms of unlawful act, the elements required by Article 1365 of the Indonesian Civil Code are not cumulatively fulfilled. Legal protection for the workers of PT BPR Bank Bantul (Perseroda) who do not receive such insurance benefit is essentially economic protection, because it concerns the loss of post?employment income. Such economic protection is most appropriately pursued through a repressive avenue against AJB Bumiputera 1912 as the insurance company bearing the insurance benefit, namely through a lawsuit for breach of contract or unlawful act accompanied by an application for conservatory attachment, rather than through a lawsuit against PT BPR Bank Bantul (Perseroda) as the policyholder.

Kata Kunci : Tanggung Jawab Hukum Pemberi Kerja, Pelindungan Hukum Pekerja, Dana Talangan, Gagal Bayar Manfaat Asuransi, Employer's Legal Liability, Workers' Legal Protection, Bailout Fund, Insurance Benefit Default.