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UPDATED JUL 7, 2026💡 What to expect for employee benefits when you hire in the US through Toku. US employees receive a full benefits package - medical, dental, vision, life and disability, tax-advantaged accounts, and a 401(k) - with employer sponsorship of employee premiums. This guide covers Toku's EOR benefits program (WorkCo International).
At a Glance
| Item | Detail |
|---|---|
| Medical | Cigna - choice of HDHP 3000/80% or PPO 250/100% |
| Dental & vision | Unum (dental High/Low plans; EyeMed vision) |
| Life & disability | Unum - mandatory, employer-paid (Life/AD&D 1× salary; STD 60%; LTD 60%) |
| Employee premium (employee-only tier) | $0 - 100% employer-sponsored |
| Dependent medical | Employer pays 50%; employee pays the rest via payroll |
| 401(k) | Slavic401k - auto-enrollment at 3% after two full months |
| Eligibility | Full-time employees working 30+ hours/week |
| Enrollment window | 30 days from start date (then open enrollment or a qualifying life event) |
Medical: Cigna
Employees choose between two plans (administered by Edison Health Solutions):
| Feature | HDHP 3000/80% | PPO 250/100% |
|---|---|---|
| Deductible (ind/fam) | $3,000 / $6,000 | $250 / $900 |
| Out-of-pocket max | $6,000 / $12,000 | $500 / $1,000 |
| PCP / specialist copay | $25 / $50 | $10 / $20 |
| HSA eligible | Yes | No |
Monthly premiums and employer sponsorship (employer pays 100% of the employee-only premium + 50% of dependent premiums):
| Tier | HDHP total | Employee pays | PPO total | Employee pays |
|---|---|---|---|---|
| Employee only | $644.84 | $0 | $808.47 | $0 |
| Employee + spouse | $1,315.75 | $335.46 | $1,692.98 | $442.26 |
| Employee + children | $1,012.51 | $183.84 | $1,293.19 | $242.36 |
| Family | $1,775.34 | $565.25 | $2,298.88 | $745.21 |
Dental & Vision: Unum
- Dental: High Plan ($2,000 annual max; preventive 100%, minor 90%, major 60%, ortho 50%) or Low Plan ($1,500 max). Employer pays 100% of the employee premium and 70% for dependents. Employee-only: $60.37/month (High) fully sponsored.
- Vision (EyeMed): $10 exam copay, $130 frames and contacts allowances. Employer pays the employee premium ($7.00/month); dependent cost is employee-paid.
Life & Disability (Mandatory, Employer-Paid)
All employees receive Basic Life & AD&D at 1× salary (max $250,000), short-term disability at 60% of salary (max $1,000/week), and long-term disability at 60% (max $6,000/month). An Employee Assistance Program (24/7, 3 counseling sessions per issue) is included. Voluntary extras (hospital indemnity, critical illness, accident insurance) are available employee-paid and portable.
Tax-Advantaged Accounts
Medical FSA (up to $3,200/year), Dependent Care FSA (up to $5,000/household), and HSA for HDHP enrollees (IRS limits). Elections are fixed for the plan year unless a qualifying life event occurs.
Retirement: 401(k) with Slavic401k
Employees are automatically enrolled at 3% pre-tax after two full months of employment (opt-out available), with automatic 1% annual escalation up to a 10% cap. Roth and pre-tax options and 40+ investment funds are available. Ask Toku about employer match options for your team.
Enrollment & Key Rules
- Eligibility: full-time employees working 30+ hours/week; dependents include spouse/domestic partner and children to age 26.
- Medical coverage is effective the first of the month following the hire date; Unum benefits the first of the month on or following hire.
- New hires have 30 days from their start date to enroll (via Employee Navigator); after that, changes wait for open enrollment or a qualifying life event (submitted within 30 days).
- ACA consistency rule: every employee in the same group must receive the same waiting period, contribution scheme, and termination timeline - no individual exceptions.
- COBRA: after qualifying events, employees can continue coverage for 18 - 36 months at up to 102% of the total cost. Clients may choose to subsidize COBRA for a period.
- The plan year runs November 1 - October 31. Note: some clients are set up on separate US programs (e.g., UnitedHealthcare plans with different contribution schemes). Your account manager can confirm which program and rates apply to your team.
Last verified July 2026. This guide is for general information and doesn't constitute legal or tax advice. Questions? Contact [email protected].