MISKONSEPSI TUNJANGAN ASURANSI PUNGUTAN WAJIB DI INDONESIA DALAM PERSPEKTIF WELFARE STATE
DOI:
https://doi.org/10.61722/jmia.v3i4.11697Keywords:
Social Insurance, Social Security, StateAbstract
The National Social Security System (SJSN) in Indonesia represents the implementation of the state's responsibility in realizing welfare as mandated by the 1945 Constitution of the Republic of Indonesia. However, the use of the term "insurance" in the social security system raises problems because the term is identical to private coverage mechanisms that are contractual, transactional, and based on premium payments. This condition has shifted the understanding of social security, which should be positioned as a constitutional right of citizens, into a financial obligation dependent on the ability to pay contributions. This study aims to analyze the theoretical deconstruction of the insurance terminology within the National Social Security System from the perspective of the decommodification principle in the welfare state, as well as to examine the legal implications of the transition from state responsibility to mandatory levies on citizens' constitutional rights. The findings indicate that the implementation of social security in Indonesia still reflects the logic of commodification, as access to health services and social protection depends on membership status, fulfillment of contribution payments, and the financial capacity of the community. Consequently, the right to social security, which is constitutionally universal, has become a conditional right. Therefore, a reconstruction of social security policies and regulations is necessary, positioning the state as the primary guarantor of public welfare through a more equitable, universal social protection system that aligns with the principles of the welfare state.
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