What the Cooperative Unlocks

The full benefits package.

Group benefits aren't a perk of the cooperative — they're the reason it exists. The rates, the access, the coverage options: none of it would be possible for a solo professional. All of it becomes possible at the scale of a cooperative membership negotiating as one employer — with over $210M in payroll processed to date.

For All Co-Op Members

  • Earn $WORK tokens as the cooperative grows
  • Dividends when declared by the Board
  • Member Social Hub & community access
  • Partner perks & discounts

For Employee Members

  • W-2 employment (payroll, compliance, filings)
  • Access to group health, dental, vision & life
  • 401(k) with employer contribution options
  • Access to disability & workers' comp coverage
  • HR support & proof of income (W-2, pay stubs)
  • Voting rights — elect the Board of Stewards

All benefits are available to Employee Members — start with a Community Membership for $97.

Health Insurance

Group medical, dental, and vision plans from national carriers. Multiple tiers — from high-deductible HSA-compatible plans to comprehensive PPOs. The rates reflect the purchasing power of the entire Opolis membership negotiating as a single employer. That's the cooperative advantage.

  • Medical, dental, and vision from national carriers
  • Multiple plan tiers to match your needs and budget
  • Coverage for Member and eligible dependents
  • Premiums coordinated through payroll

Retirement

S-Corp owner-employee retirement plans with the ability to contribute as both employee and employer — significantly increasing annual contribution limits compared to solo IRA options.

  • 401(k) with flexible contribution levels
  • Employer contribution capability through your S-Corp
  • Roth and traditional options depending on plan
  • Contributions automated through payroll
  • Members may elect to include crypto assets in their 401(k) allocation

Disability & Income Protection

As a W-2 employee of the cooperative, you gain access to protections most independent professionals have never had — automatically included, no separate enrollment required.

  • Short-term disability — 60% of base salary replacement during temporary inability to work
  • Long-term disability — coverage for extended or permanent disability
  • Unemployment insurance — temporary income replacement if work ceases
  • Workers' compensation — medical and lost-wage coverage for on-the-job injury

Supplemental Coverage

Round out your protection with supplemental options available through the cooperative.

  • Legal insurance — personal and business matters
  • Accident insurance — lump-sum for covered injuries
  • Hospital indemnity — direct cash for covered stays
  • Life insurance — term coverage for your family

W-2 Employment Documentation

The W-2 is more than a tax document — it's proof of employment required for mortgages, apartment rentals, car loans, and financial products.

  • Qualifies Members for mortgages and housing
  • Access to financial products requiring employment verification
  • Same documentation that full-time corporate employees receive

Community & Perks

Independent doesn't mean isolated. The Opolis cooperative connects professionals across all 50 states who share the same working model — with a growing suite of partner benefits.

  • Member Social Hub — peer connection, knowledge sharing, internal marketplace
  • Educational resources on S-Corps, tax strategy, and benefits
  • Partner discounts on tools, software, and professional services
  • Earn $WORK tokens as the cooperative grows
  • Receive dividends when declared
  • Nominate Board of Stewards candidates
  • Community events — virtual and in-person

Membership pays for itself.

For most Members, the group health rates alone more than justify the cost of membership.