Maureen Herzog v. GRAPHIC PACKAGING INTERNATIONAL , INC., and ABC INSURANCE C O.

In the
United States Court of Appeals
For the Seventh Circuit
____________________
No. 13‐1717
MAUREEN HERZOG ,
Plaintiff‐Appellant,
v.
G RAPHIC P ACKAGING I NTERNATIONAL , INC., and
ABC INSURANCE C O.,
Defendants‐Appellees.
____________________
Appeal from the United States District Court for the
Eastern District of Wisconsin.
No. 11‐CV‐00848 — Lynn Adelman, Judge.
____________________
A RGUED OCTOBER 30, 2013 — D ECIDED FEBRUARY 13, 2014
____________________
Before EASTERBROOK , R IPPLE , and W ILLIAMS , Circuit
Judges.
WILLIAMS, Circuit Judge. Richard Herzog passed away in
April 2009. For years before his death, while working for De‐
fendant Graphic Packaging International, Inc. (“GPI”), he
had a supplemental life insurance policy and listed his wife,
Plaintiff Maureen Herzog, as a beneficiary. But during an
open enrollment period at the end of 2008, Richard’s sup‐

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2 No. 13‐1717
plemental life insurance policy was cancelled. Maureen sus‐
pected that someone other than her husband was responsi‐
ble for the change in benefits. Richard had been diagnosed
with stage 4 cancer in September 2008 and Maureen could
not conceive of why her husband would cancel a life insur‐
ance policy when he knew his death was imminent. After an
unsuccessful attempt to obtain records from GPI, Maureen
filed suit against the company and its insurer, Defendant
ABC Insurance Company (“ABC”), to recover benefits under
the supplemental life insurance policy. Defendants eventual‐
ly filed a motion for summary judgment which the district
court granted. Maureen now appeals.
Maureen presents two arguments on appeal. She con‐
tends that the district court abused its discretion in granting
Defendants’ motion to strike her affidavit. But she never pre‐
sented her arguments against the motion to strike in an op‐
position memorandum before the district court, despite a
local rule requiring her to do so. That same local rule al‐
lowed the court to grant Defendants’ motion as a sanction
for Maureen’s non‐compliance, and the district court acted
within its discretion in enforcing the rule. Maureen also con‐
tends that the district court erred in awarding summary
judgment to Defendants. We see no error. The district court
correctly determined that there was no material issue of fact
as to whether Richard cancelled his supplemental life insur‐
ance policy. Although Maureen speculated that someone
other than Richard terminated the policy, she presented no
evidence to support her assertion. Because she had no evi‐
dence from which a reasonable juror could find in her favor
on that issue, summary judgment was appropriate. We af‐
firm.

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No. 13‐1717 3
I. BACKGROUND
Richard worked for GPI for 25 years until his death in
April 2009. As part of his benefits package, Richard received
a basic life insurance policy through GPI’s health and wel‐
fare plan. Richard also paid for an optional supplemental life
insurance policy through GPI for several years prior to his
death. Richard’s wife, Maureen, was named as the benefi‐
ciary on both policies.
At the end of 2008, when the time came for GPI workers
to select their benefits for the coming year, Richard’s package
changed. His supplemental life insurance policy was can‐
celled. Instead of his supplemental life insurance, Richard’s
benefits package included life insurance policies for his wife
and children as well as an accidental death and dismember‐
ment (AD&D) policy for himself. Richard’s pay stubs reflect
the termination of his supplemental policy. While his 2008
stubs showed deductions for supplemental life insurance
premiums, these notations disappeared in January 2009. Nor
do they appear on the stubs for the subsequent months lead‐
ing up to his death. When Richard died a few months later,
GPI’s insurance company, ABC, paid Maureen benefits on
Richard’s basic life insurance policy. But ABC refused to
make any payments on Richard’s supplemental life insur‐
ance policy.
The timing of the cancellation seems odd. In September
2008, Richard was diagnosed with stage 4 cancer. Despite
knowing that his life would likely soon end, two months af‐
ter the diagnosis (when the open enrollment period came
around) it appears that Richard terminated the supplemental
life insurance policy. Soon after Richard’s death, Maureen
wrote GPI through counsel requesting any information the

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4 No. 13‐1717
company had regarding Richard’s supplemental life insur‐
ance policy. The company refused Maureen’s request, citing
its confidentiality policy, and told her that the information
would only be produced in response to a subpoena.
Almost two years after receiving GPI’s letter, Maureen
filed suit against GPI and ABC in Wisconsin state court for
breach of contract. In her complaint, Maureen asserted that
either GPI or ABC breached the supplemental life insurance
policy by terminating it without Richard’s consent. Defend‐
ants removed the matter to federal court because Maureen’s
claim arose under the Employee Retirement Income Security
Act of 1974 (“ERISA”), 29 U.S.C. §§ 1001 et seq.
Eight months later, Defendants moved for summary
judgment. In response, Maureen argued that the termination
of her husband’s supplemental life insurance immediately
after his cancer diagnosis was sufficient, standing alone, to
defeat summary judgment. She contended that a reasonable
juror could infer that Defendants, not Richard, terminated
the supplemental policy based solely on the timing of the
termination. In support, Maureen filed an affidavit in which
she asserted that GPI cancelled Richard’s supplemental life
insurance without his consent. Defendants moved to strike
that paragraph and other portions of Maureen’s affidavit on
the basis that they concerned matters outside her personal
knowledge.
The district court awarded summary judgment to De‐
fendants. Because the undisputed evidence established that
the supplemental life insurance policy was not in effect at
the time of Richard’s death, the court ruled that Maureen’s
claim for those benefits failed as a matter of law. The court
also granted Defendants’ motion to strike Maureen’s affida‐

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No. 13‐1717 5
vit citing a local rule authorizing a court to grant a motion as
a sanction for a nonmoving party’s failure to respond.
Maureen now appeals both rulings.
II. ANALYSIS
A. No Abuse of Discretion in Granting Motion to
Strike
Maureen first argues that the district court erred in grant‐
ing Defendants’ motion to strike two paragraphs of her affi‐
davit. 1 “We review the district court’s grant or denial of a
motion to strike for abuse of discretion.” Bernstein v. Bankert,
733 F.3d 190, 216 (7th Cir. 2013).
The district court did not abuse its discretion in granting
Defendants’ motion as a sanction for failing to comply with
the local rules. The Eastern District of Wisconsin requires all
parties to file any memorandum and other papers in opposi‐
tion to a motion (other than a motion for summary judgment
and another type of motion not relevant here) “within 21
days of service.” Civil L.R. 7(b) (E.D. Wis.). Unresponsive
parties are subject to penalties: “Failure to file a memoran‐
dum in opposition to a motion is sufficient cause for the
Court to grant the motion.” Civil L.R. 7(d) (E.D. Wis.).
Maureen did not follow the rules because she never filed an
opposition to the motion to strike. The court acted well with‐
in its discretion in granting Defendants’ motion as a sanction
1 Defendants moved to strike four paragraphs (3, 5, 6, and 7) of
Maureen’s affidavit. But Maureen concedes that paragraphs 5 and 6 were
properly stricken because she had no personal knowledge of the matters
discussed within them. See generally Fed. R. Civ. P. 56(c)(4) (“An affidavit
or declaration used to support or oppose a motion [for summary judg‐
ment] must be made on personal knowledge.”).

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6 No. 13‐1717
for Maureen’s noncompliance.2 See Benuzzi v. Bd. of Educ. of
the City of Chicago, 647 F.3d 652, 655 (7th Cir. 2011) (“District
courts have broad discretion to enforce and require strict
compliance with their local rules.”).
B. District Court Correctly Awarded Summary Judg‐
ment to Defendants
Maureen also contends that the district court erred in
granting Defendants’ motion for summary judgment on her
ERISA claim. “We review a district court’s grant of summary
judgment de novo.” Patterson v. Ind. Newspapers, Inc., 589
F.3d 357, 364 (7th Cir. 2009). “[W]e construe the facts and
draw all reasonable inferences in favor of the nonmoving
party.” Ferraro v. Hewlett‐Packard Co., 721 F.3d 842, 847 (7th
Cir. 2013). “Summary judgment is appropriate if there is no
genuine dispute of material fact, and the movant is entitled
to judgment as a matter of law.” Sojka v. Bovis Lend Lease, Inc.,
686 F.3d 394, 397 (7th Cir. 2012).
In challenging the summary judgment ruling, Maureen
maintains that the court failed to recognize a material factual
dispute about whether Richard’s supplemental life insurance
was in effect at the time of his death. Defendants presented
evidence that Richard cancelled this benefit during the open
enrollment period just months before his death. A GPI hu‐
man resources employee submitted an affidavit stating that
2 Moreover, the district court did not, as Maureen suggests, strike her
entire affidavit in response to Defendants’ motion. We know this because
the district court’s summary judgment analysis considered facts from
paragraphs of Maureen’s affidavit that were not the subject of Defend‐
ants’ motion. For example, the court noted that Maureen “point[ed] out
that her husband was diagnosed with stage 4 cancer in September 2008,”
a fact that Maureen stated in paragraph 4 of her affidavit.

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No. 13‐1717 7
Richard elected to cancel his supplemental life insurance
policy for 2009 during GPI’s open enrollment period in late
2008. GPI also submitted its records of Richard’s benefit elec‐
tions for 2009 which did not include a supplemental life in‐
surance policy. The company also presented Richard’s pay
stubs for the first few months of 2009. These payment rec‐
ords catalogued Richard’s employee benefit deductions and
did not include any withholding of salary for supplemental
life insurance. To refute Defendants’ evidence that Richard
terminated the policy, Maureen pointed to two facts:
(1) Richard was diagnosed with cancer in September 2008;
and (2) his life insurance policy was terminated two months
later. Maureen argues that these two facts are sufficient to
create a reasonable inference that GPI or ABC surreptitiously
terminated the supplemental policy without Richard’s
knowledge or consent.
While we are sympathetic to Maureen’s predicament, she
has not presented enough evidence to raise a triable issue of
fact on this point. Defendants presented an affidavit and
documentary evidence that suggest Richard voluntarily act‐
ed to remove the supplemental life insurance from his bene‐
fits package. In addition, the record suggested he knew of
the change because it was reflected in the pay stubs he re‐
ceived in the months leading up to this death. Maureen chal‐
lenges this evidence by stating, in effect, that Richard could
not have made such a change because no reasonable person
would eliminate a life insurance policy after learning that it
would soon pay out benefits. While Maureen is entitled, as
the nonmoving party, to all reasonable inferences in her fa‐
vor, “inferences that are supported by only speculation or
conjecture will not defeat a summary judgment motion.” Tu‐
bergen v. St. Vincent Hosp. & Health Care Ctr., Inc., 517 F.3d

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8 No. 13‐1717
470, 473 (7th Cir. 2008). That is all we have here. Beyond the
timing of the cancellation, Maureen has not presented any
evidence that GPI or ABC was responsible for the change in
Richard’s benefits. But as we have said in other contexts,
“[s]uspicious timing is rarely enough, by itself, to create a
triable issue of fact.” Peele v. Burch, 722 F.3d 956, 960 (7th Cir.
2013). A reasonable juror could not conclude that Defendants
terminated Richard’s policy without his knowledge or con‐
sent based solely on the fact that the cancellation occurred
after his cancer diagnosis. Maureen needed some evidence
of Defendants’ involvement in the decision in order for a
reasonable juror to conclude that Defendants, not Richard,
terminated the policy. Because she presented no such evi‐
dence, the court correctly awarded summary judgment to
Defendants.
We cannot be sure whether Maureen’s loss at summary
judgment may have been avoided with a little more effort by
her trial counsel. But engaging in the formal discovery pro‐
cess would not have hurt Maureen’s cause. We are at a loss
to understand why her trial counsel made no attempt to
submit document requests, interrogatories, or other discov‐
ery for over 18 months after the complaint was filed. Coun‐
sel’s only effort happened far too late in the game. Counsel
served discovery on Defendants in February 2013, a year af‐
ter Defendants filed their motion for summary judgment,
more than six months after Maureen filed her response to
that motion, and just two weeks before the court issued its
summary judgment ruling. Trial counsel never asked the
court for more time to obtain the results of that request and
never presented any additional evidence to the court. At oral
argument, Maureen’s appellate counsel (a different lawyer
than the one who represented her before the district court)

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No. 13‐1717 9
explained that trial counsel did not pursue discovery be‐
cause the district court initially provided a short schedule for
the parties that required filing of dispositive motions within
two‐and‐a‐half months. But if Maureen’s lawyer knew he
needed to obtain discovery from Defendants in order to win
his case, he could have asked the court for more time to do
so. See Fed. R. Civ. P. 56(d)(2) (“If a nonmovant shows by af‐
fidavit or declaration that, for specified reasons, it cannot
present facts essential to justify its opposition, the court may
… allow time to obtain affidavits or declarations or to take
discovery.”).
III. CONCLUSION
The district court’s judgment is A FFIRMED.

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