MODEL PREMI TIDAK KONSTAN PADA ASURANSI DANA PENSIUN BERDASARKAN ASUMSI BESAR GAJI TERAKHIR
DOI:
https://doi.org/10.25077/jmu.6.4.22-28.2017Abstract
Abstrak. Asuransi dana pensiun adalah salah satu bentuk upaya seorang pegawai un-tuk menjamin kesejahteraan hidup pada saat memasuki usia pensiun. Pegawai yang
mengikuti asuransi pensiun harus membayarkan sejumlah uang yang disebut dengan
premi yang nantinya akan diterima oleh pegawai tersebut ketika telah memasuki usia
pensiun. Besarnya premi yang dibayarkan harus sesuai dengan gaji yang diterima oleh
pegawai. Penelitian ini bertujuan untuk menghitung besarnya premi yang akan di ba-
yarkan peserta agar tidak terbebani dengan pembayarannya. Dalam penelitian ini pe-
serta mengikuti asuransi pada umur x tahun dan pensiun di usia r tahun. Besarnya
iuran yang akan dibayarkan peserta dihitung dengan menggunakan formula premi tidak
konstan dengan kenaikan tiap tahun konstan sebesar dimana besar gaji tiap tahun se-
lalu meningkat. Perhitungan dengan formula ini berdasarkan asumsi besar gaji terakhir
yang diterima oleh peserta. Dengan menggunakan formula premi tidak konstan besarnya
iuran yang dibayarkan oleh peserta selalu meningkat tiap tahun, tapi dengan kenaikan
yang konstan sebesar .
Kata Kunci: Asuransi Dana Pensiun, manfaat pensiun, iuran normal, model (formula)
premi tidak konstan
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