Life events

Your Iron Mountain benefits support you through all of life’s events and adventures.

When something changes in your life, make sure you’ve got the right coverage and resources for yourself and your family.

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

  To make a change to your medical, dental, or vision coverage benefits 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

  You must make changes within 30 days of the event date. Verification documents must be submitted within 30 days of days of your enrollment date.

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

  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.

  
  

  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