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Benefits Enrollment

You wanted an easier, more efficient way to enroll in benefits online, you got it!

We are excited to introduce our new benefits enrollment platform, SmartBen! 

This mobile-friendly platform can be accessed from any computer or mobile device at any time, giving you ultimate flexibility in choosing your benefits during a life event or open enrollment!  Additionally, you can log in to SmartBen throughout the year to look at benefit plan documents, your current coverage elections as well as other benefit related materials.


Username: COT + 5 digit Munis employee ID (this is located on your paystub)
Initial Password: Date of Birth MMDDYYYY


Munis ID is 12345, Birthdate is Jan. 1, 1970
Username: COT12345
Initial Password: Date of Birth 01011970


SmartBen Enrollment Instructions


SmartBen NOW App


SmartBen NOW allows you to access up to date information about your employer-provided benefits, keeping you plugged into your benefits when and where you need it! SmartBen NOW is available for both Apple and Android devices in the App Store and Google Play.


Save the Date for Open Enrollment

November 6th thru November 17th

If you are going to add new dependents to your plan during Annual Enrollment or you were hired in 2023, you’ll need to verify your dependent’s eligibility. View the Dependent eligibility Matrix for a list of eligible dependents and documents that are required.


SmartBen has a dedicated team to help you with enrollment!

SmartBen Assist Team Phone: 855-210-1938
Hours: 8 a.m. to 8 p.m. ET
Email Address: