Gaining or losing other coverage

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.    

• The basics

  To make a change to your 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 based on impact to your spouse/domestic partner, or dependent child’s eligibility for other coverage outside of Iron Mountain. If you miss the deadline, you’ll have to wait until the next Open Enrollment period or another qualifying life event to make changes.

  For the following events, you must make changes within 30 days of the event date.

  • 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 events, you must make changes within 60 days of the event date.

  • 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.

• What to do

  • 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.

  • Log in to IRMbenefits.bswift.com to initiate a life event to make changes to your benefits.

    • Your virtual benefits assistant, Emma^TM, 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!

  Resources & Contacts

  • Benefits overview

  • Medical benefits

  • Dental benefits

  • Vision benefits

  • Supplemental benefits, including:

    • Life and AD&D Insurance Benefits

    • Critical Illness and Accident Insurance

  • 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.

• Important information about medical cost deductions

  If your benefit elections are effective on a date that reverts to prior pay periods, you’ll incur retroactive deductions back to the due date. These retroactive deductions will be taken on a post-tax basis from your subsequent paychecks for the number of pay periods that your elections revert to, up to a maximum of four.

• 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.