Multi-Factor Identification (MFA)
We strive to deliver the highest levels of cybersecurity while also providing a superior online experience for you.
We will soon implement an enhanced security feature to our Smart 401(k) Plan, known as Multi-Factor Authentication ("MFA") to provide increased protection for participant accounts. MFA asks users to verify their identity using a one-time security validation code. Combining this step with a user ID and password adds an additional level of security to help protect participants' accounts.
There are two ways to access your retirement account, Google Authenticator or Email/Phone number.
Option one: The Google Authenticator App (which needs to be downloaded from the App store)
Instructions downloading Google Authenticator:
For iPhone
Requirements
Note: If you have an account through your work, school, or other group, your organization might not allow 2-Step Verification. Check with your administrator to be sure.
To use Google Authenticator on your iPhone, iPod Touch, or iPad, you’ll need:
The latest operating system for your device
(optional to set up with QR code) iPhone 3G or later
Download the app
Set up the app
On your iPhone or iPad, open the Gmail app . Tap Menu Settings your account Manage your Google Account. If you don’t use Gmail, go to myaccount.google.com.
At the top, tap Security.
Under “Signing in to Google,” tap 2-Step Verification.
Under “Set up alternative second step,” find “Authenticator app” and tap Set up.
Follow the steps on the screen.
To verify it’s working, get a code from your Authenticator app. Enter it in your settings.
If your code is correct, you’ll see a confirmation.
If your code is incorrect, try again. If you’re still having trouble, you might want to verify that the time on your device is correct or read about common issues
For Android
Requirements
Note: If you have an account through your work, school, or other group, your organization might not allow 2-Step Verification. Check with your administrator to be sure.
To use Google Authenticator on your Android device, you’ll need:
Android version 2.1 or later
Download the app
Set up the app
On your Android phone or tablet, open your device’s Settings app Google Google Account.
At the top, tap Security.
Under “Signing in to Google,” tap 2-Step Verification. You might need to sign in.
Under “Set up alternative second step,” find “Authenticator app” and tap Set up.
Follow the steps on the screen.
To verify it’s working, get a code from your Authenticator app. Enter it in your settings.
If your code is correct, you’ll see a confirmation.
If your code is incorrect, try again. If you’re still having trouble, you might want to verify that the time on your device is correct or read about common issues.
Once downloaded you will want to open up the camera on your phone or tablet, point it at your screen capturing the key code or you can manually enter the secret key also listed above the key code.
Option two: Email or Phone Number (SMS Capabilities)
Unless using the Google Authenticator app, users will be required to have a valid cell phone number or email address established and entered in the LT Trust website to log in to your account.
See below on how to update the required demographics.
Click the Gear Icon
In the pop up to the right of your screen you will select Personal Information
Choose your authentication choice. Click the caret (>) symbol next to "general" to expand phone update settings, and/or the caret (>) symbol next to email to expand "email" settings.
If you do not have a cell phone number or email address in your retirement website profile, the login process will automatically be denied, and you will be instructed to notify the plan sponsor. The single exception to this requirement will be for a plan that allow participants to set themselves up in the system as new users.
During this upgrade, beginning the second week of December, those of you requiring online access to your accounts will be asked to re-register at ltretire.com to activate security features. All participants will be required to submit information and register new online credentials in order to immediately restore account access.
For security purposes, a One Time Pin (OTP) is needed for certain functions.
Click here to find out more about the functions that require OTP
Logging in
Beneficiary Changes
Password Changes
Forgotten Password
Enrollment by Plan Password
Loans, Distributions, and Withdrawals
Email Change by Other Transactions
Single Sign-On Considerations
We are strongly committed to protecting the security and privacy of personal information of our customers, and we understand that the steps described above require a degree of time and effort. Thank you for your understanding during this essential upgrade to account management and security. We have provided videos below to give a real time experience for a first-time user (new enrollee) and an existing user, logging into their retirement plan utilizing MFA for the first time. Please use these videos as an added resource to help you navigate the process.
We are dedicated to our participants, but it doesn’t just end there, our dedication to creating an exceptional online experience while also ensuring that we are leaders in data protection as well. LT Trust endeavors to not merely meet standards, but to consistently raise the bar in order to protect our clients.
For any questions or concerns feel free to contact us.