Costco Employee Benefits Breakdown: Health, Dental, Paid Time Off & More

If you’re considering a job at Costco, it’s not just about the paycheck — it’s about the entire package. In 2025, Costco continues to offer one of the most generous benefits programs in the retail industry, covering everything from health insurance to paid holidays and retirement plans.

Whether you’re working part-time or full-time, many of these benefits apply across the board, making Costco a top choice for those looking for long-term financial stability and work-life balance.

1. Health Insurance Coverage

Costco offers comprehensive health insurance plans for eligible employees and their families. This includes:

• Medical insurance with multiple plan options (including PPO and HSA)
• Prescription drug coverage
• Mental health services and counseling
• Telemedicine options (virtual appointments)

Most full-time employees become eligible after 180 days of continuous employment, while part-time employees may qualify with consistent weekly hours. Premiums are partially paid by Costco, keeping out-of-pocket costs low compared to industry standards.

2. Dental and Vision Insurance

Dental coverage includes preventive cleanings, exams, x-rays, fillings, and even orthodontics in some plans. Vision insurance helps cover:

• Eye exams
• Prescription glasses and lenses
• Contact lenses

These plans are optional add-ons with affordable contributions and are available to both full-time and eligible part-time employees.

3. Paid Time Off and Holidays

Costco provides generous paid time off (PTO) based on your length of service. Benefits include:

• Paid vacation time (starting after 1 year)
• Sick leave accrual from your first day
• Paid holidays (typically 7–8 per year)

Employees working on holidays receive extra pay, and unused vacation time can be rolled over annually or paid out if unused.

4. Retirement and 401(k) Plans

Costco goes beyond the basics when it comes to preparing employees for retirement. Their benefits include:

• 401(k) plan with company match (up to 50% of contributions)
• Profit-sharing contributions even if you don’t contribute to your 401(k)
• Financial planning resources and retirement seminars

Employees become eligible for retirement plans after working 1,000 hours in a calendar year. These contributions add up significantly over time, especially with Costco’s consistent profitability and long employee tenure.

5. Life Insurance and Disability Coverage

All eligible employees receive basic life insurance coverage at no cost, with options to purchase additional coverage for themselves or dependents. Costco also offers:

• Short-term disability insurance (for illness or injury)
• Long-term disability coverage for extended leave

This support ensures employees have income protection during unexpected health events.

6. Employee Assistance Program (EAP)

Costco provides confidential support services to help employees manage personal, financial, and emotional challenges. The EAP includes:

• Free counseling sessions
• Legal and financial advice
• Childcare and eldercare support referrals

This program is available 24/7 and is extended to immediate family members as well.

7. Employee Discounts and Perks

In addition to health-related benefits, Costco employees enjoy perks like:

• Free Executive Membership (2% annual cashback)
• Discounted services (auto, travel, insurance bundles, etc.)
• Warehouse savings and promotions not available to regular members

Many of these perks extend to family members and are available from day one.

8. Tuition Reimbursement and Career Development

Costco supports internal growth and education with:

• Tuition assistance programs for approved courses
• Internal training and development platforms
• Leadership programs for advancement to supervisor or manager roles

Employees are encouraged to grow within the company — many General Managers and regional leaders began as hourly workers.

Who Qualifies for These Benefits?

Most benefits begin after 90 to 180 days of employment. Full-time employees have access to the complete package, while part-time workers qualify for many core benefits (such as dental, vision, 401(k), and PTO) if they maintain a regular schedule of 24+ hours per week.

Benefits eligibility and enrollment options are discussed during onboarding, and employees can customize their package based on individual and family needs.

Why Costco’s Benefits Make a Difference

Costco’s compensation goes far beyond wages. With a strong focus on physical, financial, and emotional wellbeing, their benefits program is designed to support employees long-term — not just while they’re on the clock.

View Open Costco Positions and Apply Today

If you’re looking for an employer that values its people and rewards consistency, Costco’s benefits are some of the best you’ll find in the U.S. workforce.