Go to Benefits OnLine at the web address provided by Merrill or your employer. Select Create your User ID now. Please note, your screen may differ from the example shown.

Enter your verification information, which may include your Social Security Number, account number, or other number assigned by your employer. Then select Continue.

If you are a non-U.S. citizen working outside the U.S. and have a 9-digit verification number from your employer, enter it as your Assigned Account Number, then select Continue.

If you don’t have this number, select I do not have a U.S. Social Security Number/Assigned Account Number.

If you selected I do not have a U.S. Social Security Number/Assigned Account Number, enter the Employee Identification Number assigned by your employer.

Then enter your Date of Birth formatted as two digits for the month, two digits for the day and four digits for the year. Select Continue.

If prompted to answer a "What is your PIN?" security question, enter the Personal Identification Number (PIN) sent to you by Merrill, then Continue. If you don’t have a PIN, select Forgot your PIN, then Continue.

Enter the security information and select Continue. These questions are based on information provided by your employer.

If prompted, enter an authorization code. This code will be sent to the contact information provided by your employer. Select Continue.

Create your User ID and Password for Benefits OnLine. Strong passwords generally consist of at least 8 characters with a mix of numbers, upper- and lower-case letters and special characters. Enter and confirm your email address. If you have a U.S.-formatted mobile phone number, enter it where indicated. Select Continue.

Select security questions from the dropdown lists. Answer the questions and confirm your responses. Select Continue.

Review your information. Select Back to make changes or Submit to complete your account set up. You can use your new User ID and Password to log in to Benefits OnLine.