July 2021

VOlUME 04 ISSUE 07 JULY 2021
Restructuring Insurance Policy as an Ultra Vires Action Based on Limited Liability Company Law
1Handoyo Prasetyo, 2Subakdi, 3Robinsar Marbun
1,2,3Law Faculty, Universitas Pembangunan Nasional Veteran Jakarta Jl. RS. Fatmawati, Kota Jakarta Selatan, 12450, Indonesia
DOI : https://doi.org/10.47191/ijsshr/v4-i7-09

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ABSTRACT

As mentioned in the Constitution of the Republic of Indonesia of 1945, everyone has the right to live and the right to defend his life. All citizens are equally in the law and must uphold the law without exception. These rights and obligations also apply to workers who after devoting their lives for decades to the state through the company in which they work, entering retirement age and subsequently starting a new life as a retiree. There is a belief that State-Owned Enterprises (it is called as BUMN) is unlikely to go bankrupt because it is owned by the State, becomes the main choice of retirees to entrust the management of their pension funds to PT Asuransi Jiwasraya (Persero). The problem arises when Jiwasraya plans a restructuring program of all Jiwasraya insurance policy, including an annuity policies owned by millions of retirees as a result of the losses suffered by Jiwasraya due to mismanagement and corruptive behavior of former The Board of Directors of Jiwasraya. Pensioners strongly object to the restructuring plan because it has the effect of reducing monthly pensioner benefits by up to 40% (forty percent), a very large amount that means for retirees who rely heavily on monthly money from pension funds, especially during the Covid-19 pandemic health and life costs are also increasing. This study will analyze whether the actions of The Board of Directors of Jiwasraya who restructure insurance policies fall into the category of ultra vires (actions outside the the board of directors authority), which to answer it researchers will use normative juridical research methods. From the results of this study, it was concluded that the insurance policy restructuring program is an ultra vires action, therefore it must be null and void.

KEYWORDS:

Annuity, Pension, Jiwasraya, BUMN, Restructuring

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VOlUME 04 ISSUE 07 JULY 2021

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