"FIRST TIME USERS": your login password is your birth month and day (mmdd) followed by the first four characters of your User Name ie. Joe L. Baker born May 12 would be:
You will be asked to change your password and answer 3 challenge questions. Please keep in a safe place.
"RETURN USERS": you must use your personalized password which you created on your first visit to the site.
If you can not remember your password AFTER TWO TRIES, you can answer your challenge questions which will restore your "FIRST TIME USER" password.
If you have problems accessing the site, e-mail benefits department at firstname.lastname@example.org