My buddy has a '99 Tundra and his frame is rusted bad. In fact, he took it in to the dealer and they just came back and said it was not drivable. They'll either repair it (if possible) or buy it back. My friend told me that if you choose the buy back option they will pay you 150% of the current value.
So if you own a 1995-2000 Tundra, have it checked out immediately.