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 Beneficiary adalah penerima manfaat yaitu pihak baik itu berupa perorangan maupun kelompok yang menerima manfaat atau keuntungan dari sesuatu hal. Beneficiary sendiri berasal dari kata dasar ‘benefit’ yaitu keuntungan. Dalam dunia keuangan, penerima manfaat atau beneficiary ini adalah mereka yang mendapatkan keuntungan dalam hal keuangan ataupun harta. Contoh beneficiary yang sering kita lihat adalah seperti orang yang menerima pembagian warisan, atau orang yang mendapat pertanggungan atau cover dari sebuah polis asuransi.




Manfaat-manfaat yang akan diterima oleh beneficiary ini tentunya sudah tertulis secara jelas pada dokumen khusus yang mengikat secara hukum, baik hukum sosial maupun hukum negara. Sebuah polis asuransi jiwa misalnya, tentu akan memuat klausul tentang benefit atau manfaat-manfaat yang akan diterima penerima manfaat apabila orang yang tertanggung meninggal dunia, atau misalkan sebuah surat warisan tentu akan memuat hal-hal penting yang terkait dengan pembagian warisan, siapa-siapa saja yang berhak menerima warisan, berapa porsi dalam hal pembagian dan lain sebagainya.

Apakah seorang beneficiary memiliki tanggung jawab ?

Penerima manfaat atau beneficiary ini adalah pihak yang ditunjuk oleh pemberi kuasa untuk menerima manfaat. Ada yang mekanismenya hanya terhenti setelah manfaat diterima, dan akan diserahkan sepenuhnya kepada penerima manfaat, ada juga penyerahan manfaat yang mewajibkan beneficiary untuk melaksanakan beberapa kewajiban yang dibebankan. Misalkan seorang ahli waris, mungkin akan dibebankan untuk membayar pajak atau segala kewajiban yang masih ditinggalkan oleh pewaris, atau misalkan seseorang yang mendapatkan dana hibah, diwajibkan untuk menyelesaikan pendidikan pada tingkatan tertentu, di mana pemberi dana ini berharap dana dapat dikelola dengan baik, bukan untuk dihambur-hamburkan.

Segala persyaratan dan tanggung jawab penerima manfaat ini akan dituliskan dengan jelas pada sebuah dokumen khusus, dan tentunya semua ketentuan-ketentuan yang tertulis didalamnya harus diterima dan ditandatangani dengan sadar tanpa adanya paksaan dan mengikat secara hukum, agar terpenuhinya syarat menerima manfaat.

Siapa saja yang dapat ditunjuk menjadi beneficiary ?

Siapapun dapat Anda tunjuk untuk menjadi penerima manfaat atas apa yang akan Anda berikan. Baik itu keluarga terdekat seperti suami, istri, anak, orang tua bahkan sampai sampai orang yang tidak memiliki hubungan darah pun bisa Anda tunjuk sebagai penerima manfaat tergantung apa konteks dan manfaatnya. Pada kebanyakan kasus seperti warisan dan polis asuransi, tentu penerima manfaat tentu keluarga sendiri, misalkan orang tua yang mewariskan harta kepada anaknya, atau anak yang akan menerima manfaat apabila orang tua yang menjadi tertanggung asuransi jiwa meninggal dunia, ataupun dapat diwakilkan kepada wali sang anak apabila anak tersebut belum memiliki umur yang cukup untuk menerimanya.

Di beberapa negara, diberlakukan hukum kepemilikan harta bersama, maka untuk menunjuk seorang penerima manfaat, maka juga harus mendapat persetujuan dari pasangan pemberi manfaat. Misalkan sebuah polis asuransi yang manfaatnya akan diberikan kepada saudara, maka suami atau istri dari tertanggung harus menyetujuinya, maka manfaat tidak bisa diberikan kepada orang yang ditunjuk. Itu sebabnya, menunjuk seorang yang akan menerima manfaat juga harus dilakukan dengan benar. Pada keluarga kandung sendiri mungkin tidak terlalu menjadi persoalan, tapi jika itu orang lain, tentu harus dipastikan bahwa orang tersebut mampu menjalankan semua mandat yang diberikan pasca menerima manfaat tersebut.

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