Gaining or losing other coverage

If you or an eligible dependent gain or lose benefits coverage elsewhere, you might be able to make changes to your Iron Mountain benefits. Find out if your situation qualifies and what you need to do to make sure you have benefits to help you and your family thrive.    

• Changing your medical, dental, or vision coverage outside of Open Enrollment

  To make a change to your medical, dental, or vision coverage outside of Open Enrollment, you must experience a qualifying life event, which is an event that affects your benefits coverage or the coverage of your dependents. Below are some examples of qualifying life events:

  • Getting married or starting a new domestic partnership
  • Having a baby or adopting a child
  • Getting divorced or ending a domestic partnership
  • Gaining or losing other coverage
  • Losing a spouse/domestic partner or dependent

  If you are gaining or losing other coverage, the reason for your gain or loss dictates the amount of time you have to make changes. For the following qualified life events, you must make changes within 30 days of the event date, and verification documents must be submitted within 30 days of benefits changes.

  • Your spouse/domestic partner’s Open Enrollment dates differ from Iron Mountain’s.
  • You, your spouse/domestic partner, or your dependent child gains coverage outside of Iron Mountain (including joining the Marketplace).
  • You, your spouse/domestic partner, or your dependent child loses coverage outside of Iron Mountain.

  For the following qualified life events you must make changes within 60 days of the event date, and verification documents must be submitted within 45 days of benefits changes.

  • Your or your spouse’s/domestic partner’s child gains or loses coverage under a state Children’s Health Insurance Program (CHIP).
  • You, your spouse/domestic partner, or your dependent child gains or loses Medicare or Medicaid coverage.

  If you miss the deadline, you’ll have to wait until the next Open Enrollment period or another qualifying life event to make changes.

  
  

  How to change your benefits coverage due to a qualifying life event

  You must take action if you would like to make benefit changes. 

  • Refer to this Quick Reference Guide, to review changes you can make to each benefit, coverage effective dates, and required documentation that you will need to provide.

  Start by logging in to IRMbenefits.bswift.com to initiate a life event. Then, make changes to your benefits.

  • Your virtual benefits assistant, Emma EnrollProTM, is available to assist you through the benefits change process. Emma can help you understand your options and make the best choices. Emma is more than just a guide—she is a comprehensive tool designed to ensure you have a great benefits experience!
  • While logged in, review your personal information and make any updates to dependents and beneficiaries that may be needed. 

  
  

  Resources & contacts

  • Benefits overview
  • Medical benefits
  • Dental benefits
  • Vision benefits
  • Supplemental voluntary benefits, including:
  • Life and AD&D Insurance Benefits
  • Accident, critical illness and hospital idemnity insurance
  • Legal assistance
  • Tax-advantaged accounts

• Need help?

  Iron Mountain Benefits Center 

  Log on to review your account by visiting IRMbenefits.bswift.com 

  For the Iron Mountain Benefits Center (US/PR), contact 877-907-4828 8 am - 9 pm ET, Monday - Friday.  Web chat is available on IRMbenefits.bswift.com 8 am - 9 pm ET, Monday – Friday.

• Understanding deductions for coverage changes outside of the annual enrollment period

  If your benefit elections are effective on a date prior to the current pay period, you’ll incur retroactive deductions back to the effective date. These retroactive deductions will be taken from your future paychecks for the number of pay periods missed after your elections became effective until the amount owed is paid in full. Learn more here.

• Aetna One Advisor (A1A)

  Contact Aetna One Advisor (A1A) for help. Advisors can answer questions and help you resolve issues related to all your Iron Mountain benefits, including medical, disability, and the 401(k) plan.

  You can contact an advisor by phone or online chat through the Aetna member website. To reach an advisor by phone, call 888-216-8573 Monday through Friday, from 8 am to 8 pm ET.

• Contacts

  For complete contact information, go to the Contacts page.