US WorkCo International Benefits

Toku provides employer-sponsored benefits in the United States designed to support your health, financial security, and overall wellbeing. This page outlines your available health, dental, vision, retirement, and flexible spending benefits, along with enrollment and access information.

Medical Plan Year: November 1, 2026 - December 31, 2027 (one time 14-month plan year; medical moves to a calendar year starting January 1, 2028)

Health Care FSA, Dependent Care FSA and HSA Plan Year: November 1, 2026 - October 31, 2027, followed by a short 2-month plan year (November 1 - December 31, 2027). From January 1, 2028, these accounts move to a calendar year.

Dental, Vision, Life/Disability and Voluntary Benefits (Unum) Plan Year: January 1 - December 31 (calendar year; next renewal January 1, 2027)

From January 1, 2028, all US benefits will share a January 1 plan year.

📄 2026 - 2027 Benefit Enrollment Handbook

📄 Overture Health Member Welcome Guide

---

Summary of Health Insurance (Overture Health - Powered by Cigna)

Toku offers two medical plan options, allowing employees to choose coverage that best fits their healthcare needs. Effective November 1, 2026, the plan is administered by Overture Health-Powered by Cigna (replacing Edison Health Solutions). Your plan designs, the Cigna PPO network of doctors and hospitals, and the Ventegra pharmacy network do not change. What changes: the plan name, your member ID and group number, your ID cards, the member portal and the Member Services phone number.

---

Plan Options Overview

14-month plan year: Deductibles and out-of-pocket maximums reset once on November 1, 2026, then apply across the full 14 months. They will not reset again until January 1, 2028. Visit limits and other benefit maximums stay at their standard 12-month levels for the full 14 months.

Note: Overture Health has added a 4th (specialty) drug tier to the pharmacy benefit.

• Cigna HDHP Summary of Benefits
• Cigna PPO Summary of Benefits

Eligibility and Enrollment

• Plan Eligibility
  • Full-time employees working 30+ hours per week
  • Eligible dependents include:
    • Legal spouse or qualified domestic partner
    • Dependent children up to age 26 (or older if disabled)
  • Effective dates: Benefits have two waiting periods depending on the carrier.
    • Medical (Overture Health - Powered by Cigna): Coverage begins the first of the month following your date of hire. For example, a January 1st or January 3rd hire date would both result in a February 1st effective date.
    • Unum: Coverage begins the first of the month on or following your date of hire. This means that if you are hired on the first of the month, these benefits begin that same day.
• Enrollment Process
  • You will receive an email link from the Employee Navigator to enroll or waive in benefit coverage once completing your Toku profile onboarding.
    • Enrolled and need to submit a qualified life event? Log into your employee navigator portal and select ‘Make Benefit Changes’ to begin the process.
    • For full instructions - please navigate to the Employee Navigator FAQ.

Medical Premiums & Employer Contributions (Semi-Monthly)

Rates effective November 1, 2026 - December 31, 2027. Toku covers 100% of employee-only premiums and 50% of dependent premiums for both medical plans. The tables below show the total premium, employer contribution, and your payroll deduction by coverage tier.

HDHP (3000 / 80%)

PPO (250 / 100%)

Pay periods are semi-monthly (24 per year). Premiums are not prorated: coverage added or ended mid-month is billed for the full month.

How to Use Your Medical Coverage

• Use your new Overture Health ID card starting November 1, 2026 at the doctor's office and pharmacy. Each covered family member gets their own card.
• You do not need to change doctors or pharmacies. The Cigna PPO network and the Ventegra pharmacy network stay the same.
• Find in-network providers at Cigna.com (select Find a Doctor, Dentist or Facility, then the PPO network), or call Overture Health Member Services.
• Claims for care on or after November 1, 2026 are processed by Overture Health. Claims for care through October 31, 2026 are still paid by Edison Health Solutions. See Claims from Your Previous Plan Year (Edison) below.
• Virtual care: $0 copay, 24/7 virtual urgent care and behavioral health (therapy, psychiatry) through Recuro Health via the Recuro Health app, recurohealth.com or 855-673-2876.
• Pharmacy: Ventegra (Premium Formulary). Pharmacy locator: go.ventegra.org/locator
• Mail order: 90-day supply delivered by Costco Pharmacy (no Costco membership needed) at rx.costco.com or 1-800-607-6861.
• Specialty Rx assistance (BPP): 1-877-393-0009
• Nurse case management (Cigna Healthcare): 866-494-4872, at no cost, for serious illness or injury.
• Cigna Healthy Rewards & Active&Fit Now: wellness discounts and gym memberships (standard $28/month) at discoverhealthyrewards.sites.cigna.com. Create a myCigna.com account using the Cigna Group number on your ID card. myCigna.com is for Healthy Rewards only; your ID card, claims and plan info are in the Overture Health portal.
• Emergency and urgent care are covered per plan terms. In a crisis, call or text 988, 24/7. In an emergency, call 911.

Overture Health Member Portal & ID Cards

• Welcome email: A welcome email from [email protected] goes to the email address on your enrollment. It includes a welcome brochure, digital ID cards for each covered family member, and a link to the portal. Printed cards follow by mail. Didn't get it? Check your spam/junk folder first, then call Member Services.
• Member portal: portal.overturehealth.com
  1. Enter your email address or phone number in the sign-in box.
  2. You'll receive a verification code by email. Enter it to complete sign-in.
  3. Your ID card is on the Home tab. Press Download Cards to save or send it to a provider.
• In the portal you can also view your deductible progress, visit limits, claims and EOBs, covered family members, and official documents (SBC, Summary Plan Document, proof of coverage, tax forms).
• Parents of children age 13+ need to submit a PHI release form (dependent's profile > Forms tab > PHI release) to keep viewing the child's full profile.
• Not getting your login code? Your email may not be on your enrollment record. Contact [email protected].
• Overture Health Member Services: (203) 208-9898, Monday - Thursday 8 a.m. - 7 p.m. ET, Friday 8 a.m. - 6 p.m. ET

Claims from Your Previous Plan Year (Edison)

If you received care during the previous plan year (November 1, 2025 - October 31, 2026), those claims are still covered. You don't need to do anything differently for them.

• Care received through October 31, 2026 is processed and paid by Edison Health Solutions, under your previous plan.
• 12-month runout: Edison will keep processing claims for that care for 12 months after October 31, 2026, so claims that providers submit late are still paid.
• Care received on or after November 1, 2026 is processed by Overture Health. If a provider sends a claim for this care to Edison by mistake, Edison will reject it and the provider will need to resubmit it to Overture Health. To avoid delays, give every provider and pharmacy your new Overture Health ID card information.
• Access to your Edison claim history: You will keep access to your past claims and EOBs in the Edison member portal with no time limit, so you can look up previous-year claims whenever you need to.
• Same stop-loss carrier: The stop-loss coverage behind the plan is with the same carrier for both plan years, so the move to Overture Health should not cause problems with claims from the previous year. Questions about a claim for care before November 1, 2026? Contact Edison Health Solutions Member Services (number on your old ID card) or [email protected].

---

Summary of Dental and Vision Coverage (Unum Dental Care)

Dental coverage is provided through Unum, with two plan options available. Vision coverage is provided through EyeMed via Unum.

Dental and vision are not part of the November 1, 2026 medical change. They stay on their calendar-year plan year and renew January 1, 2027. Updated rates will be posted here once released.

Dental Plan Overview

Vision Plan Overview

Eligibility and Enrollment

• Plan Eligibility
  • Full-time employees working 30+ hours per week
  • Eligible dependents include:
    • Legal spouse or qualified domestic partner
    • Dependent children up to age 26 (or older if disabled)

Dental & Vision Premiums & Employer Contributions (Semi-Monthly)

Toku covers 100% of employee-only premiums and a portion of dependent premiums, depending on the plan. The tables below show the full cost of coverage, how much Toku pays, and your payroll deduction.

Unum Dental - High Plan

Employer Sponsorship:

• 100% of employee-only premiums
• 70% of dependent premiums

Unum Dental - Low Plan

Employer Sponsorship:

• 100% of employee-only premiums
• 70% of dependent premiums

Unum Vision Plan

Employer Sponsorship:

• 100% of employee-only premiums
• Employee pays the full cost of dependent premiums

Unum & EyeMed Portal Registration

• Dental: https://www.unumdentalcare.com/
• Vision: https://www.eyemedvisioncare.com/unum
• Dependents age 18+ must register separately 📄 Unum Dental Guide · Unum Vision Guide (EyeMed)

---

Summary of Financial Benefits

401(k) Retirement Plan (Slavic401k)

• Automatic enrollment at 3% after two months (opt-out available)
• 40+ investment options
• Pre-tax and Roth contributions available

Life & Disability Insurance (Unum)

---

Summary of Tax- Advantage Accounts

Toku offers Flexible Spending Accounts to help employees pay for eligible healthcare and dependent care expenses using pre-tax dollars, reducing taxable income and increasing take-home pay.

Plan year: The Health Care FSA, Dependent Care FSA and HSA run November 1, 2026 - October 31, 2027. A short 2-month plan year follows (November 1 - December 31, 2027), and from January 1, 2028 these accounts move to a calendar year so all US benefits renew together. Note that this differs from the medical plan year (November 1, 2026 - December 31, 2027).

Dependent Care Flexible Savings Account (DCFSA)

Flexible Spending Accounts (FSA)

A Medical FSA allows you to set aside pre-tax dollars to pay for eligible healthcare expenses not fully covered by insurance.

Contribution Limits

• Annual Maximum: $3,200
• Your per-paycheck contribution is calculated based on remaining pay periods 💡 Important:

Your full annual election amount is available on day one of the plan year, even though contributions are spread across paychecks.

Eligible Medical FSA Expenses

Examples include (but are not limited to):

• Doctor, specialist, and hospital visits
• Prescription medications
• Dental and orthodontic care
• Vision exams, glasses, and contact lenses
• Over-the-counter medications (as allowed by the IRS)
• Chiropractic care and physical therapy
• Mental health and counseling services 📄 Eligible expenses must meet IRS guidelines.

Medical FSA Rules to Know

• Funds must be used within the plan year
• Unused funds may be forfeited if not spent by the deadline
• Elections cannot be changed mid-year unless you experience a qualifying life event

First-Time Registration

1. Visit BenefitResource.com
2. Select Employee Login → Register an Account
3. Enter:

• Company Code: wcinternational
• Member ID: Typically your SSN
• Personal information (name, DOB, ZIP)

Reimbursements & Payments

• Claims can be submitted online or via the BRI portal
• Reimbursements are issued via:
  • Direct Deposit (recommended)
  • Check (slower) 💡 Pro Tip:

Set up Direct Deposit in your BRI account to receive reimbursements faster.

A Dependent Care FSA helps you pay for eligible dependent care expenses so you (and your spouse, if applicable) can work.

Contribution Limits

• Annual Maximum:
  • $5,000 per household
  • $2,500 if married filing separately Unlike a Medical FSA, DCFSA funds are only available as contributions are deducted from your paycheck.

Eligible Dependent Care Expenses

Examples include:

• Daycare and nursery school

• Before- and after-school programs

• In-home childcare services

• Adult day care for dependent adults

• Summer day camps (non-overnight) Not eligible:

• Tuition for kindergarten or higher

• Overnight camps

• Care provided by a dependent or spouse

Dependent Care FSA Rules to Know

• Expenses must enable you (and your spouse) to work or look for work
• Reimbursements are limited to the amount currently contributed
• Funds must be used within the plan year

First-Time Registration

1. Visit BenefitResource.com
2. Select Employee Login → Register an Account
3. Enter:

• Company Code: wcinternational
• Member ID: Typically your SSN
• Personal information (name, DOB, ZIP)

Reimbursements & Payments

• Claims can be submitted online or via the BRI portal
• Reimbursements are issued via:
  • Direct Deposit (recommended)
  • Check (slower) 💡 Pro Tip:

Set up Direct Deposit in your BRI account to receive reimbursements faster.

Health Savings Account (HSA)

An HSA is a tax-advantaged savings account available to employees enrolled in the Cigna HDHP (High-Deductible Health Plan). Funds can be used for eligible medical expenses and roll over year to year - you own the account and it follows you even if employment changes.

Eligibility

To open and contribute to an HSA, you must be:

• Enrolled in the Cigna HDHP (HSA-compatible plan)
• Not enrolled in Medicare or any other non-HDHP health plan
• Not claimed as a dependent on someone else's tax return
• Not enrolled in a Medical FSA or HRA (unless it is limited to dental/vision expenses only) Note: If your spouse has a Medical FSA that can cover your expenses, you may not be eligible for an HSA. A dental/vision-only FSA is the exception.

Contribution Limits & Tax Benefits

• Contribution limits are set annually by the IRS and vary by coverage type (individual vs. family)

• Current limits are available at BenefitResource.com

• Contributions can be made until the tax filing deadline of the following year (typically April 15)

• You can change your contribution amount at any time, for any reason Triple Tax Advantage:

• Tax-free contributions (pre-tax payroll deductions)

• Tax-deferred growth (interest and investment earnings grow tax-free)

• Tax-free withdrawals when used for eligible medical expenses

Eligible HSA Expenses

Examples include (but are not limited to):

• Deductibles, copays, and coinsurance
• Prescription and over-the-counter medications
• Dental care and orthodontia
• Vision exams, glasses, contacts, and LASIK
• Mental health and counseling services
• Chiropractic care and physical therapy
• Medical equipment and supplies
• Menstrual care products
• HSA funds can also be used for eligible expenses of your spouse and dependents A full eligible expense list is available at BenefitResource.com under the Health Savings Plan tab.

First-Time Registration

1. Visit BenefitResource.com
2. Select Employee Login → Register an Account
3. Enter:

• Company Code: wcinternational
• Member ID: Typically your SSN
• Personal information (name, DOB, ZIP)

Accessing Your HSA Funds

• Beniversal Prepaid Mastercard - use at qualified merchants, or via Apple Pay, Samsung Pay, or Google Pay
• Online reimbursement - pay out-of-pocket and reimburse yourself via BRIWEB
• Funds appear on your card as contributions are deposited Pro Tip: Save all receipts - you are responsible for verifying eligible use if audited by the IRS.

HSA Key Rules

• Funds never expire and roll over year to year
• You own the account - it stays with you even if you leave Toku or change health plans
• If you leave the HDHP, you can no longer contribute, but existing funds remain yours to use
• Funds used for non-qualified expenses are subject to income tax + a 20% penalty (if under age 65)
• HSA funds can also be invested for potential growth (note: investments are not FDIC insured) 📄 Beniversal HSA Education Guide

---

Summary of Additional Benefits

Employee Assistance Program (EAP)

Confidential 24/7 support for mental health, family issues, legal and financial concerns.

• Up to 3 counseling sessions per issue
• 📞 1-800-854-1446
• 🌐 https://www.unum.com/lifebalance 📄 EAP Flyer

---

Summary of Supplemental Benefits (Unum Voluntary)

Toku offers additional voluntary insurance benefits through Unum, available for enrollment through Employee Navigator. Premiums are deducted from payroll. Coverage is portable - you may keep it if you leave Toku.

📄 Unum Benefits Portal Guide — how to file claims and manage your coverage online

Hospital Indemnity Insurance (Unum)

Pays a cash benefit directly to you when admitted to the hospital for a covered accident, illness, or childbirth. Helps cover out-of-pocket costs your medical plan does not pay.

• Benefits are paid directly to you - not to a provider
• Covers hospital admission, ICU stays, and related services
• Coverage applies on and off the job 📄 Hospital Insurance Flyer

Critical Illness Insurance (Unum)

Provides a lump-sum cash payment upon diagnosis of a covered critical illness (e.g., cancer, heart attack, stroke, kidney failure). Use the benefit however you choose.

• Helps cover deductibles, treatment costs, or personal expenses
• Available at more accessible rates through your employer
• Premiums deducted conveniently from paycheck 📄 Critical Illness Insurance Flyer

Accident Insurance (Unum)

Provides a cash benefit based on the type of injury and treatment required, for accidents on and off the job.

• Includes a Be Well Benefit: each covered family member can receive $50/year for a qualifying wellness screening
• Benefits paid directly to you
• Coverage applies on and off the job 📄 Accident Insurance Flyer

---

Need Help?

If you have questions about your benefits or enrollment, contact the Toku Benefits Team:

📧 [email protected]