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KleinstRente
Pensionskassen & Versicherung

KleinstRente

Digital settlement of micro-entitlements — from QR code letter to automated payment.

SaaS Pensionskasse Abfindung BRSG II DSGVO Self-Service
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80% less administrative effort
Processing time: months → days
Near-zero error rate
Higher completion rates
Tech Stack Laravel Livewire MySQL Redis Docker Queue-System

The Paper-Based Process Is History

Small vested benefits — minor pension entitlements of often just a few euros per month — generate administrative effort that exceeds their value. Settlement under § 3 BetrAVG is legally permitted and economically sensible. Yet the traditional process of paper letters, handwritten forms and manual case processing is slow, error-prone and expensive.

KleinstRente fully replaces this workflow with a secure self-service platform: from the personalised cover letter with QR code to the automatic payment confirmation.

How KleinstRente Works

  • Personalised Cover Letters: DIN-compliant letters with individual QR codes are generated as individual PDFs or batch ZIPs — via an admin dashboard or as a background queue.
  • Token-Based Access: Insured persons scan their QR code and enter the portal without a password or registration. Multi-step verification protects against misuse; automatic account lockout on suspicious access.
  • 5-Step Wizard: Data verification → bank details with IBAN validation → settlement option under BRSG II → summary → binding confirmation. Clear, comprehensible, accessible.
  • Automatic BRSG II Calculation: The system determines the permissible settlement options based on the individual fulfilment amount — fully compliant with current legal requirements.
  • Representative Handling: Deceased insured persons can be represented by spouses, children, authorised representatives or heirs — with a dedicated workflow and document upload.
  • Automated Communication: Multi-stage email reminders, confirmations and payment notifications ensure high completion rates.

Admin Dashboard

Case processors always have an overview: real-time statistics, 8-stage status tracking (from "Open" to "Paid Out"), search and filter functions across encrypted records, integrated ticket system for queries and complete activity logging.

Security & Compliance

  • Field-level encryption of all personal data — names, addresses, bank details and social security numbers are continuously protected even in the database
  • Complete audit trail with activity logging and email protocol for seamless traceability vis-à-vis supervisory authorities
  • GDPR-compliant architecture with automatic data deletion after configurable retention periods
  • Specialised validation for German financial and insurance identifiers with automatic check digit calculation

Deployment

KleinstRente is multi-tenant and can be deployed for your organisation at short notice — as a hosted solution or on your own infrastructure. We handle setup, configuration, adaptation to your corporate design and the initial data migration. On request we train your case processors and accompany the first settlement run.

KleinstRente for Your Organization

We provide the platform for you at short notice — including setup, customization, and training. Schedule a no-obligation demo.

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Frequently Asked Questions

Policyholders receive a letter by post containing an individual QR code. By scanning the code, they are taken directly into a guided 5-step wizard that leads them through the settlement process.
Yes. The settlement calculation is carried out in full compliance with the requirements of the German Company Pension Strengthening Act II (BRSG II). All relevant parameters such as settlement limits and calculation formulas are kept automatically up to date.
The import is done via password-protected Excel files. The data is validated upon upload, stored in encrypted form, and processed separately per client.
Yes. KleinstRente supports full representative handling. If a policyholder is unable to carry out the process themselves, an authorized person can submit the application with appropriate identification.
Implementation typically takes 4–8 weeks, depending on the complexity of your existing systems and data. This includes setup, data migration, training, and go-live support.