There are approximately 320,000 persons in Estonia to whom the state is paying monthly pensions. This number is increasing, as the population is aging.

Another noticeable trend is the mobility of people (working, living and receiving pensions in other countries). Starting from 2021, the customer can use the option of a flexible pension, meaning that the volume of compensations, suspensions, extensions and other actions per user have been increased.

There are over 100 types of benefit solutions

Current situation

The existing solution does not allow to serve existing and future customers quickly, accurately and in a suitable way and time. International pension services are still processed manually. While at the moment the main emphasis is on serving customers face-to-face, the future trend in communicating with customers is through e-channels.


New IT-solution

The pension service has a monolithic structure with many hidden cross-dependencies. Therefore, any further developments are resource intensive. It is no longer enough to simply upgrade existing solutions, but a large part of the system needs to be completely reviewed and built with a state-of-the-art IT solution that allows personalised data to be stored for decades and takes into account user convenience and intuition. The new IT-solution must enable to create more convenient access to pension data and help customers in making decisions concerning the sum of their future pension.  

As it is an extensive service with many subcategories, the development of the e-service concerning pensions should be organised in stages. The transformation of a large-scale pension service into a proactive life event service is planned as a step-by-step software development.

The aim of the analysis project is to design a pension service, to describe the architecture of a proactive pension service and to create a roadmap for the system development together with its volumes. As a first step, we plan to transfer the least dependent pensions without social tax to the system. The detailed analysis of these pensions will be done in parallel.


The modernisation of the service is necessary because the pension service has not been developed as a self-service of the Social Insurance Board, and people do not have the opportunity to view their data in real time nor plan their pension. The wider goal of the project is to change the pension service into a proactive life event service. The existing services need to be analysed commercially and technically and, if necessary, adapted to societal and technological changes and expectations.



The main goal of the analysis is to design a pension service, describe the architecture of a proactive life event service and create a roadmap for the IT-development. For this, development needs need to be analysed, suggesting the following:

  • the architecture based on possible microservices of a new pension service;
  • developed components can be reused;
  • services can be renewed without affecting other services;
  • manage load capacity by service and thus ensure the stable and long-term efficient operation of the system.

Alternative technological solutions need to be analysed and a prototype for a pension service should be created.


As a result of the analysis, a document will be prepared describing the architecture of the proactive pension service and the step-by-step roadmap for service renewal with volume assessments for the implementation of IT developments.

A prototype corresponding to the vision will be developed.

  • Time frame: 02.07.2021 - 02.02.2022
  • Budget: 99,792 euros (with VAT)
  • Development partner: Medisoft