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Each skill in Payday 2 has a "tier bonus" associated with it. For example, the "Die Hard" skill in the Enforcer tree has a tier bonus of "You gain 10% more health."

Under what conditions do I gain these bonuses? Do I need to spend a point in the skill?

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You gain the bonuses for simply unlocking the skill tier. Take, for example, the tier 4 Ghost bonus. This is what it looks like 1 point before the tier is unlocked:

Tier Bonus Locked

And now I spend that extra 1 point to unlock tier 4:

Tier Bonus Unlocked

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    Incidentally, this is why I like dumping 20 points into Technician, for the +25% damage bonus, regardless of the build I'm going for.
    – Unionhawk
    Oct 23, 2013 at 5:16

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