Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts.
Your questions were:
I am wondering if change of residence would qualify as life event for special enrollment? and
Also, are there any avenues for me if I did not intend to waive coverage?
Unfortunately, to get a definitive answer to these you are going to need more information than you have here and it may be that you even have to file a lawsuit.
The problem you're having is that the term is vague and the insurance company and HR are choosing one definition that excludes you from coverage.
Using the language you cite, it does sounds like a change of residence could qualify as a special enrollment event but the issue is that the language from that section states "may be eligible" as opposed to "shall be eligible".
If you want to force them to add you then my suggestion is to hire a local lawyer that does either civil litigation or consumer law and let them get involved. The first thing they are going to have to determine is if it is the employer being difficult or the insurance company. If it is the insurance company then your chances of getting it changed are much better since there are a number of steps you can take that will cause problems for them whereas if it is the employer there are few options.
In addition, this may end up being an ERISA issue which make sit even more difficult.
Finally, the lawyer will also want to look into whether you actually did waive coverage or whether something else happened and they just don't want to admit it. In the cases I've seen where similar claims were made by the employers it was always an issue where the employer had made a mistake and the employee had never actually waived coverage.