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UPDATED SEP 24, 2026Toku provides employer-sponsored benefits in Ireland through Irish Life (medical insurance and pension) and DeCare (dental). These benefits are designed to support employees’ health, financial security, and long-term retirement planning.
Some benefits require enrollment, while others are provided automatically. Please review the sections below to understand how each benefit works.
📄 Detailed schedules of benefits are available here:
At a Glance
| Benefit | Provider | Enrolment | Key detail |
|---|---|---|---|
| Life insurance | Irish Life | Automatic from your date of hire | 4× annual base salary |
| Income protection | Irish Life | Automatic from your date of hire | 75% of salary less State Illness Benefit, after 13 weeks, up to age 68 |
| Health insurance | Irish Life Health - 4D Health 4 | Optional: opt in or out in your Toku Benefits tab | Adult premium €1,976.20/year. Taxable benefit-in-kind |
| Dental | DeCare | Optional: email benefits@toku.com | From €18.16/month (employee only). Taxable benefit-in-kind |
| Pension | Irish Life | Optional: email benefits@toku.com | Toku matches up to 6% of salary |
| My Future Fund (State auto-enrolment) | Government | Automatic if eligible and not in the Irish Life pension | 1.5% you / 1.5% employer / 0.5% State in 2026 |
Summary of Health Insurance (Irish Life - 4D Health 4 Plan)
Toku partners with Irish Life Health to provide private medical insurance alongside Ireland’s public healthcare system via our broker- Kota.
Employees may opt in to coverage during eligibility windows.
Plan Overview
- Provider: Irish Life Health
- Plan Name: 4D Health 4 (4D4)
- Coverage Type: Private medical insurance
- Hospital Access: Public, private, and semi-private hospitals (subject to plan terms)
Eligibility & Enrollment
- Enrolment is optional. From your start date, opt in or out in the Benefits tab of your Toku account (powered by Kota), for yourself and any dependants.
- Before your start date, the Benefits tab shows that your cover will activate once employment starts. This is expected.
- Once you're enrolled, the Benefits tab shows your Irish Life Health policy number, effective date and covered dependants.
- Premiums are a taxable benefit-in-kind processed through payroll.
Premium & Cost Overview
Annual Medical Premiums
| Category | Annual Premium (€) |
|---|---|
| Adult | €1,976.20 |
| Young Adult (18 - 20) | €987.90 |
| Young Adult (21) | €1,109.50 |
| Young Adult (22) | €1,326.10 |
| Young Adult (23) | €1,542.80 |
| Young Adult (24) | €1,759.40 |
| Young Adult (25+) | €1,976.20 |
| Child (1 - 3) | €584.60 |
| Child (4+) | €584.60 |
| Newborn | €0 |
How to Use Your Health Coverage
- Access care through Irish Life’s approved hospitals and providers
- Submit claims directly to Irish Life
- Certain services are reimbursed up to annual limits
- Pre-authorization may apply for specific procedures
Summary of Covered Medical Services
The sections below provide an overview of services covered under the 4D Health 4 plan.
Hospital & In-Patient Coverage
- Private and semi-private hospital accommodation
- €50 excess per claim
- €2,000 co-payment for certain orthopedic procedures
- Maternity care:
- Public hospital maternity services
- Consultant fees
- Home birth support
- Psychiatric inpatient treatment
- Emergency inpatient treatment abroad:
- Hospital bills covered up to €100,000
- Medical repatriation covered up to €1,000,000
Out-Patient & Day-to-Day Care
- GP consultations:
- 75% reimbursement
- Minor injury clinics (virtual and in-person)
- Outpatient maternity consultant fees
- Physiotherapy:
- €40 per visit
- Up to 10 visits per year
- Health screening:
- Up to €200 per year
- Menopause benefit, HPV vaccine, and nutrition recovery benefit:
- Partial reimbursement
Child & Developmental Benefits
- Child development assessments:
- 75% covered
- Up to €300 per assessment
Summary of Dental Coverage (DeCare)
Toku offers optional dental coverage through DeCare. Dental is voluntary: to opt in, email benefits@toku.com and we'll send you a short enrolment form. Two plan levels are available, and you can cover your spouse/partner and children.
Dental Plan Overview
| Benefit | Coverage |
|---|---|
| Routine exams & cleanings | 100% |
| Basic treatments (fillings, extractions) | 70% |
| Major treatments (crowns, root canals) | 70% |
| Orthodontics (ages 8 - 18, one-time) | €1,250 |
| Oral cancer benefit | €2,000 lump sum / €3,000 rehabilitation |
Children receive additional coverage for sealants and space maintainers.
Dental Premiums (Monthly)
| Coverage Type | TeamCare Level 2 (€/month) | TeamCare Level 3 Plus (€/month) |
|---|---|---|
| Employee only | €18.16 | €23.17 |
| Employee + Child(ren) | €32.89 | €40.89 |
| Employee + Spouse/Partner | €33.35 | €42.39 |
| Family | €54.36 | €67.57 |
Gross monthly rates for 2026, valid until 31 December 2026. Dental premiums are a taxable benefit-in-kind processed through payroll.
Summary of Life & Disability Insurance
Life insurance and income protection are provided automatically to all employees from day one. You don't need to do anything, and Toku pays for both.
Coverage Overview
-
Life Insurance:
- 4× annual base salary, paid to your beneficiaries if you die while employed, up to age 70
- Non-medical limit: €900,000
-
Income Protection (long-term disability):
- If you can't work because of long-term illness or injury, it pays 75% of your salary, less State Illness Benefit
- Payments start after 13 weeks of continuous absence
- Payments increase by 3% a year while you're claiming
- Paid until you recover or reach age 68
- Non-medical limit: €75,000
- Includes premium protection, so your pension contributions continue during a claim Coverage begins from day one of employment.
-
Actively at work: to be covered from day one, you must be actively at work on the date cover starts, meaning you're working your normal hours and haven't been told by a doctor to stop working. Statutory leave such as maternity or parental leave still counts as being at work.
-
Above the non-medical limits (€900,000 life cover, €75,000 a year income protection), Irish Life needs medical underwriting before the extra cover applies.
-
Beneficiaries: you can nominate who receives your life benefit through the Irish Life member portal, or by sending an Expression of Wishes form to Irish Life. Contact benefits@toku.com if you need help.
Summary of Pension & Retirement Savings
In Ireland, you'll save for retirement through one of two plans. You can only be in one at a time:
- My Future Fund is the Government's auto-enrolment scheme. If you're eligible, you're enrolled automatically. You don't need to do anything.
- The Irish Life pension is Toku's own workplace pension. You opt in. The employer contribution is higher and you get tax relief. If you join it, you leave My Future Fund. Your life and income protection cover stays the same whichever plan you're in.
My Future Fund vs. Irish Life Pension
| My Future Fund (automatic) | Irish Life Pension (opt in) | |
|---|---|---|
| How you join | Automatic if you're aged 23 - 60 and earn €20,000+ a year | Email benefits@toku.com |
| Your contribution | 1.5% of pay (2026 - 2028), rising in steps to 6% by 2035 | Up to 6% of salary, plus optional extra contributions (AVCs) |
| Employer contribution | Matches you: 1.5% now, rising to 6% by 2035. Only paid on earnings up to €80,000 | Matches your contribution up to 6% of salary from day one |
| Government contribution | €1 for every €3 you pay (0.5% of pay now, rising to 2%). Only paid on earnings up to €80,000 | None. You get tax relief instead |
| Tax relief on your contributions | None | At your marginal rate (20% or 40%) |
| Managing your account | Through MyFutureFund.ie | Through the MyIrishLife app (see resources below) |
Example on a €60,000 salary: in My Future Fund, the employer puts in €900 a year in 2026. In the Irish Life pension, if you pay 6%, Toku adds €3,600 a year.
My Future Fund (Automatic Enrolment)
- Who's enrolled: employees aged 23 - 60 who earn €20,000+ a year and aren't already paying into a pension through payroll.
- Contributions: taken from your pay through payroll. Toku matches what you pay and the Government adds a top-up. Rates increase every three years:
| Years | You | Employer | Government |
|---|---|---|---|
| 2026 - 2028 | 1.5% | 1.5% | 0.5% |
| 2029 - 2031 | 3% | 3% | 1% |
| 2032 - 2034 | 4.5% | 4.5% | 1.5% |
| 2035 onwards | 6% | 6% | 2% |
- €80,000 cap: if you earn more than €80,000, you stay enrolled. The employer and Government contributions are only calculated on the first €80,000 of your earnings.
- Opting out: you must stay in for at least 6 months. After that, you can opt out during months 7 - 8 and get a refund of your own contributions. The employer and Government contributions stay in your fund. You'll be re-enrolled automatically after 2 years if you're still eligible.
- Pausing: after 6 months you can pause your contributions at any time.
- Opting out or pausing is done directly with My Future Fund, not through Toku. Learn more at MyFutureFund.ie or Citizens Information.
Irish Life Pension (Toku Workplace Pension)
- What it is: a defined contribution pension through the Irish Life Empower Master Trust. Your money is invested and builds up until you retire.
- Same terms for everyone: the plan terms are the same for every Toku employee in Ireland, so the employer contribution can't be set differently for an individual.
- Employer contribution: Toku matches what you pay, up to 6% of your salary. For example, if you pay 6%, Toku adds another 6%.
- Charges: 100% of your contributions are invested, with no entry or exit charge. The only charge on your fund is an annual fund management charge of 0.65% (Empower Personal Lifestyle Strategy and its underlying funds). Toku pays the yearly administration and Pensions Authority fees, so they don't come out of your pension.
- Paying in extra (AVCs): you can make Additional Voluntary Contributions (AVCs) on top of your regular contribution to boost your savings. AVCs get the same tax relief, within the Revenue limits below. Toku doesn't match AVCs. To start, change or stop AVCs, email benefits@toku.com.
- How to join:
- Email benefits@toku.com to say you'd like to join.
- We'll send you the Irish Life application form. Complete it and upload it to your Toku profile.
- Contributions start through payroll once Irish Life confirms your membership. We'll let you know when.
- Joining when you start: if you join before your first payroll, you won't be enrolled in My Future Fund at all.
- Switching from My Future Fund: once your Irish Life contributions start through payroll, your My Future Fund contributions stop. Any money already in your My Future Fund stays invested there for you.
Tax Advantages (Irish Life Pension)
- Tax relief on your contributions at your marginal rate (20% or 40%). For example, a €100 contribution costs a higher-rate taxpayer €60.
- Employer contributions are not a taxable benefit for you.
- Investment growth is tax-free while your money is in the pension.
- At retirement, you can usually take part of your fund as a tax-free lump sum, subject to Revenue limits.
- Limits: the amount you pay that qualifies for tax relief depends on your age: 15% of earnings under 30, 20% at 30 - 39, 25% at 40 - 49, 30% at 50 - 54, 35% at 55 - 59 and 40% at 60+. Earnings above €115,000 a year don't count toward this limit.
Customer Resources
Irish Life provides additional pension education resources to help you understand and manage your Toku pension:
- MyIrishLife App: view your pension balance and recent contributions, track performance over time, and use projection, tax-saving, and lifestyle planning tools. Download for iPhone or Android.
- Video: What is a Pension Benefit Statement? - a short video explaining the key content and terminology in your annual pension benefit statement. Watch here
- Webinar: Understanding Investments: how pension savings are invested, what influences investment returns, and how Irish Life manages market volatility. Watch recording
- Webinar: Deferred Members: guidance for employees deciding what to do with pension plans from previous employment. Watch recording
- Nominate a Beneficiary: Irish Life recommends all pension plan members nominate a beneficiary on their pension record. Contact benefits@toku.com for help updating this.
Need Help?
If you have questions about your Ireland benefits or enrollment, please contact the Toku Benefits Team:
Last verified September 2026. This guide is for general information and doesn't constitute legal or tax advice. Plan documents and your employment agreement take priority.