FILED

U.S. COURT OF APPEALS

ELEVENTH CIRCUIT

JULY 10 2000

THOMAS K. KAHN

CLERK

 * Honorable Cynthia Holcomb Hall, U. S. Circuit Judge for the Ninth Circuit, sitting by

designation.

[PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

________________________

No. 99-11766

________________________

D. C. Docket No. 98-00041-CV-3

DOROTHY HAMILTON,

Plaintiff-Appellant,

versus

ALLEN-BRADLEY COMPANY, INCORPORATED,

Defendant-Appellees.

________________________

Appeal from the United States District Court

for the Southern District of Georgia

_________________________

(July 10, 2000)

Before ANDERSON, Chief Judge, BLACK and HALL*

, Circuit Judges.

HALL, Circuit Judge:
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Dorothy Hamilton (“Hamilton”) appeals the grant of summary judgment

entered in favor of Allen-Bradley Company, Inc. (“Allen”). Hamilton had sued

Allen for breach of fiduciary duty under the Employee Retirement Income Security

Act (“ERISA”). We have jurisdiction pursuant to 28 U.S.C. §1291.

I

Hamilton was employed by Allen as a “repair service operator,” a job that

required her to repeatedly manipulate heavy objects. Sometime in 1993 she

developed carpal tunnel syndrome, and by October 1994, she was completely

unable to perform her job as a result of her carpal tunnel syndrome and diabetes. 

She had surgery for her carpal tunnel syndrome, but with poor results. In February

1995, she returned to work briefly, but had to quit after a couple of days, and never

returned to work after that. Hamilton applied and was granted social security

disability benefits.

After Hamilton realized that she could no longer work, she inquired of

Melba Lee (“Lee”), Allen’s human resources director, about whether she could

qualify for long-term disability. Hamilton asserts that on this occasion and on

several more occasions from 1994 until 1996, Lee stated that Hamilton did not

qualify. According to Hamilton, Lee also refused to give Hamilton a claim form,

and did not inform Hamilton of the identity of the insurer for the disability plan. 
3

At Allen, employees are required to go through the human resources department

when they seek to apply for disability benefits. Lee does not remember ever

having turned Hamilton away, but admits that she fields about 50 calls every week

and therefore, Hamilton may have asked her for an application without her

remembering the event. Allen claims that pursuant to company policy, on March

12, 1995, a letter was mailed to Hamilton containing the disability application. Lee

stated in her deposition that she did not know if that letter was ever sent and

Hamilton states that she never received it.

In 1996, after another request by Hamilton for a disability application, Lee

forwarded to her a health insurance claim instead. Hamilton contacted the health

insurer, CIGNA, which told her that all requests for benefits had to go through Lee. 

(CIGNA was not the insurer for the disability plan). Therefore Hamilton contacted

Lee again, who allegedly did not respond to Hamilton’s further solicitations.

In 1997, Hamilton encountered several former Allen employees who were

all receiving disability benefits under Allen’s disability plan. At this point,

Hamilton contacted Lee again and this time received the correct application form

for her disability insurer, UNUM insurance. Hamilton returned the form to Lee

who sent it onto UNUM which denied Hamilton’s claim on the basis that Hamilton
4

had not properly complied with the notice and proof-of-claim requirements of the

policy, i.e.- Hamilton’s claim was untimely.

In December 1997, Hamilton appealed the denial of her claim to UNUM. 

Her basis for the appeal was that Hamilton was required to go through Lee before

she could file a claim, had done so in a timely fashion, but was prevented from

sending UNUM her application by Lee. In fact, Hamilton asserted that Allen knew

in September 1994, that Hamilton was having medical problems, and actually

separated Hamilton from work in October 1995, for “being unable to return to

work.” UNUM rejected her appeal, and Hamilton filed suit against UNUM and

Allen in Georgia state court. UNUM and Allen removed to federal court and

moved for summary judgment which the district court granted. Hamilton only

appeals the ruling as it pertains to Allen and argues that she should prevail because:

(1) Allen is culpable for wrongfully denying Hamilton her benefits; and (2) Allen

breached its fiduciary duty by failing to provide her with the necessary information

needed to file her disability claim.

II

We review de novo an order granting summary judgment, applying the same

legal standards as the district court. See Wolf v. Coca-Cola Co., 200 F.3d 1337,

1339 (11th Cir. 2000). As such, the record has to be viewed in the light most
5

favorable to the non-moving party. See Holbrook v. City of Alpharetta, 112 F.3d

1522, 1525-26 (11th Cir. 1997).

A. WRONGFUL DENIAL

1. Waiver

The Federal Rules of Civil Procedure provide that a complaint contain

a short and plain statement of the claim showing that the pleader is entitled to

relief, and a respective demand for that relief. See FRCP 8(a). Detail is not the

bedrock on which a proper complaint stands; all that is required is that the

defendant be put on notice of the claim being asserted against it and the ground on

which it rests. See Sams v. United Food & Commercial Workers International

Union, AFL-CIO, CLC, 866 F.2d 1380, 1384 (11th Cir. 1989). Thus, the form of

the complaint is insignificant, even if it fails to categorize correctly the legal theory

giving rise to the claim, so long as the complaint alleges the facts on which relief

can be granted. See Evans v. McClain of Georgia, Inc., 131 F.3d 957, 964 n.2

(11th Cir. 1997).

Allen’s primary contention in the context of Hamilton’s wrongful denial

claim is that she has failed to raise it until now and therefore it should be deemed

waived. The complaint which Hamilton filed in state court seeks a reinstatement

of her disability benefits based on a wrongful denial, and names both UNUM and
6

Allen as defendants. Allen is alleged as not having appropriately forwarded

Hamilton’s request for benefits to UNUM. See Complaint at 3, ¶9. Even though

the complaint is not a model of clarity, the fact that the only relief sought was

reinstatement of benefits based on a wrongful denial, and Allen was named as a

party, should have put Allen on notice that this allegation was being leveled against

it by Hamilton. See Itel Capital Corp. v. Cups Coal Co., Inc., 707 F.2d 1253, 1258

(11th Cir. 1983). Moreover, the district court’s opinion states that Hamilton is

“alleging that Defendants [i.e.- UNUM and Allen] wrongfully denied her claim for

long-term disability benefits.” See District Court Opinion at 1. Because the

district court construed Hamilton’s wrongful denial claim as being brought against

both defendants, it is incorrect for Allen to argue at this late date that such a claim

is being raised for the first time on appeal. Therefore, we will review Hamilton’s

appeal for wrongful denial of benefits on the merits.

2. Merits

ERISA provides that a “civil action may be brought by a participant or

beneficiary . . . to recover benefits due . . . under the terms of [the] plan.” See 29

U.S.C. §1132(a)(1)(B). In the Eleventh Circuit, this section confers a right to sue

the plan administrator for recovery of benefits. See Rosen v. TRW, Inc., 979 F.2d

191, 193-94 (11th Cir. 1992). Therefore, if the employer is administering the plan,
7

then it can be held liable for ERISA violations. See id. at 193-94. Proof of who is

the plan administrator may come from the plan document, but can also come from

the factual circumstances surrounding the administration of the plan, even if these

factual circumstances contradict the designation in the plan document. See id. at

193.

The key question on this issue is whether Allen had sufficient decisional

control over the claim process that would qualify it as a plan administrator under

Rosen. This requires an analysis of the facts surrounding the administration of the

disability plan. The first fact is that the plan booklet states that any claim must be

made to UNUM. This would seem to cut in Allen’s favor. 

However, Hamilton offers testimony by Lee to the effect that Allen requires

its employees to go through its human resources department in order to obtain an

application for disability benefits. This fact places Allen in sufficient control over

the process to qualify as the plan administrator notwithstanding the language of the

plan booklet. See Law v. Ernst & Young, 956 F.2d 364, 373-74 (1st Cir. 1992). 

Moreover, Allen’s benefit choice booklet states: “Plan Administrator - Manager,

Employee Benefit Programs, Allen Bradley Company, . . . . The Plan

Administrator has designed the identified insurance companies and the Allen

Bradley Company as its agents to administer the Plan, to process all claims and
8

appeals, and to provide other administrative services.” (Emphasis added). 

Hamilton points out that Allen did carry out its administrative designation by

handing out the claim forms itself without getting prior permission from UNUM,

and by fielding questions about the plan from employees. Hamilton also includes

an excerpt of Lee’s deposition that identifies Milwaukee (Allen’s headquarters) as

the headquarters of the plan administration. Under the factual inquiry outlined in

Rosen, there are sufficient indicators that point to Allen as a plan administrator.

Allen’s arguments against the above conclusion are misplaced. First, Allen

points to law in other circuits which does not allow for the employer to be

designated as a co-plan administrator for the purposes of liability. See e.g. Crocco

v. Xerox Corp., 137 F.3d 105, 107 (2d Cir. 1998); Madden v. ITT Long Term

Disability Plan for Salaried Employees, 914 F.2d 1279, 1287 (9th Cir. 1990). 

Because there is law going in the opposite direction in this circuit, we are bound to

follow the law of our circuit and Allen’s argument is without merit.

The second argument that Allen raises is that because Hamilton’s claim was

untimely, she has no cause of action for wrongful denial. The essence of this

second argument is correct, but the result applies only to UNUM, and not to Allen,

because there is a material dispute of fact as to whether Hamilton informed Allen

during the time in which her claim request would have been timely. Allen goes on
9

to distract this Court by citing extensive law for the proposition that UNUM’s

notice requirement cannot be imputed to Allen for purposes of UNUM’s liability. 

See UNUM Life Insurance Co. of America v. Ward, 526 U.S. 358, 379 (1999). 

Again Allen is correct on the legal statement, but again, Allen is incorrect as to its

application because Ward concerned a claim against the insurer and not the

employer. Therefore, because the district court did not proceed with any further

analysis on this issue, but dismissed Hamilton’s case for lack of a remediable

claim, we remand the case for a determination of the other elements of a wrongful

denial claim.

B. FIDUCIARY DUTY

1. Waiver

Like for the previous issue, Allen offers a waiver argument to parry

Hamilton’s claim against it. Allen’s argument is two-fold: (1) that because the

complaint did not include any breach of fiduciary claims, then Hamilton should be

barred from bringing them before this Court because it would be the first time that

any court would review them; and (2) that Hamilton’s claim that Allen should be

liable because it failed to disclose truthful information about the plan should be

barred because it was never raised before.
10

We reject both of Allen’s waiver arguments. First, even though it is true that

the original complaint never mentioned any breach of fiduciary duties against

Allen, it is clear that the district court considered such claims in the context of the

summary judgment motions, seeing that the district court opinion contains a whole

separate section on Hamilton’s claim against Allen for breach of fiduciary duties. 

See District Court Opinion at 11-14. The district court, as was within its

discretion, must have construed Hamilton’s summary judgment opposition as a

motion for leave to amend her complaint, and therefore this issue is properly before

this Court. See Kaplan v. Rose, 49 F.3d 1363, 1370 (9th Cir. 1994).

Allen’s second argument is similarly flawed. Allen claims that Hamilton

never raised the issue of Allen’s failure to disclose truthful information as a basis

for her breach of fiduciary duty claim. In its opinion, the district court phrases

Hamilton’s claim as Allen’s “failure to provide her with the necessary forms to file

her disability claim.” See District Court Opinion at 13. The step between this

phraseology, and the one used by Hamilton now is a tiny one, if one exists at all. 

The facts on which Hamilton is basing her claim have not changed, and therefore

we will entertain her claim on the merits.

2. Merits
11

ERISA provides that “a fiduciary shall discharge his duties with

respect to a plan solely in the interest of the participants and beneficiaries . . . for

the exclusive purpose of . . . providing benefits to participants and their

beneficiaries . . . with the care, skill, prudence, and diligence under the

circumstances then prevailing that a prudent man acting in a like capacity and

familiar with such matters would use in the conduct of an enterprise of a like

character and with like aims.” See 29 U.S.C. §1104(a)(i)(A) & (B). ERISA also

provides remedies for breaches of fiduciary duties by stating that any fiduciary

who breaches its responsibilities shall be personally liable to return any losses

incurred as a result of the breach to the plan. See 29 U.S.C. §1109(a). Allen

claims, and the district court agreed, that §1109(a) provides an exclusive remedy

under ERISA and that no private right of action is allowed. Both Allen and the

district court relied on Simmons v. Southern Bell Tel. & Tel. Co., 940 F.2d 614,

617 (11th Cir. 1991) which held that such a private right of action does not exist.

The main problem in relying on Simmons is that this case had been reversed

by the Supreme Court over three years before the district court entered its ruling in

this case. See Varity Corp. v. Howe, 516 U.S. 489, 506-515 (1996). In Varity, the

Supreme Court tackled the exact same issue presented here, whether §1109

functions as an exclusive remedy for breaches of fiduciary duties or whether
12

remedies outside the statute can exist. The Supreme Court adopted the latter

approach by stating that there was nothing in the statute, or in the legislative

history, which indicated that §1109 functioned as a limitation of rights, given the

statute’s overall purpose in benefitting injured beneficiaries. See Varity, 516 U.S.

at 511-512. Therefore, the Supreme Court concluded that any losses, the remedy

of which was not contemplated within ERISA, provide a private right of action

through the catch-all phrase of 29 U.S.C. §1132(a)(3). See id. at 512.

Allen makes a great deal about the fact that the Varity argument was not

raised before the district court, and therefore is to be deemed waived. Allen’s

argument is problematic at best, because as an officer of the court, it was both

Hamilton’s and Allen’s duty to point out to the district court that Simmons had

been abrogated. It seems presumptuous for Allen to now bring this particular 

waiver argument before this Court after failing to properly carry out its duties

before the district court.

Allen’s other argument is that Varity does not apply in this case because

Hamilton has not asserted a cause of action under the catch-all provision of

ERISA, but rather under a provision where the statute has already contemplated a

remedy. See 29 U.S.C. §1132(a)(1)(B). The Supreme Court, in Varity, has

already implicitly rejected this argument by saying that it is ERISA itself that acts
13

as the safety net; if a violation has no appropriate remedy provided by ERISA, then

the catch-all provision acts as a safety net by offering appropriate equitable relief. 

See Varity, 516 U.S. at 512. It is irrelevant under what heading Hamilton pled,

because if the remedy she seeks is outside ERISA, as it is in this instance (because

a private cause of action is not contemplated within the four corners of the statute),

then the catch-all provision automatically applies. Thus, Hamilton has standing to

bring a cause of action against Allen.

The final two issues which remain to be determined are whether Allen is a

fiduciary, and, if so, whether material issues of fact exist as to whether any

fiduciary duty was breached by it. The first issue does not seem to be contested by

Allen. In fact, the facts necessary to determine whether Allen is a fiduciary under

the plan are identical to those which go to determine whether Allen is a plan

administrator. ERISA defines a fiduciary with respect to the plan as someone who

has any discretionary authority over the administration of the plan. See 29 U.S.C.

§1002(21)(A). Therefore, because, as analyzed in part II.A.2. above, the facts

show that Allen was a plan administrator seeing that it maintained discretionary

authority under the plan, then it necessarily follows that Allen is also a fiduciary

under ERISA.
14

There is disputed evidence as to whether Allen provided Hamilton with the

necessary forms and information for her to bring her claim on time. If the failure

to convey such data is a breach of a fiduciary duty, then this issue is ripe for jury

determination. Precedent indicates that Allen did have a fiduciary duty that

obligated it, at the very least, to forward Hamilton’s requested claim to UNUM. 

Particularly instructive is Krohn v. Huron Memorial Hospital, 173 F.3d 542 (6th

Cir. 1999). In Krohn, the employer failed to submit a disability application, which

was brought to it by a covered employee, to the insurer upon the belief that the

employee was not interested in applying for benefits. See id. at 546. The Krohn

court held that the employer was not entitled to second-guess the employee’s

intentions and had to forward the request to the insurer, and a failure to do so

constituted a breach of a fiduciary duty. See id. at 551-52. Equally instructive is

ERISA itself which states that a plan administrator is performing a fiduciary act

when making a discretionary determination about whether a claimant is entitled to

benefits. See 29 U.S.C. §1104(a)(1)(D).

Allen tries to distinguish the facts of Krohn by pointing out that eventually,

once Hamilton gave it a completed claim application, it forwarded it to UNUM. 

This ignores Hamilton’s contention that Allen should have forwarded the request
15

when Hamilton initially went to Lee within the period which would have saved her

claim from being untimely.

In this case, like in Krohn, the employer made a decision regarding whether

or not to convey information to the insurance company. Such a failure resulted in

the loss of benefits for the employee. In Krohn it was the failure to mail the

completed claim form; here, it is the refusal to contact the insurance company on

the grounds that Lee believed that Hamilton had no claim. Therefore Allen

performed a fiduciary act and is liable if such an act is deemed wrongful.

Allen is also incorrect in its argument that failure to disclose information to

Hamilton does not rise to the level of a fiduciary duty. Precedent states that a

“fiduciary must give complete and accurate information in response to participants’

questions.” Drennan v. General Motors Corp., 977 F.2d 246, 251 (6th Cir. 1992). 

Even though Allen is correct in noting that the Supreme Court explicitly declined

to decide this issue, see Varity, 516 U.S. at 506, Allen cannot point to any case

stating the opposite conclusion of the Drennan (and Krohn) decisions. As such,

Allen’s failure to disclose information to Hamilton, if true, is also a breach of a

fiduciary duty.

Allen is, however, correct in its assertion that Hamilton’s claim that Allen

should have provided claim forms to her does not reach the level of a fiduciary
16

duty. ERISA specifies that the plan administrator must furnish, on written request,

any information regarding the operation of the plan. See 29 U.S.C. §1024(b)(4). It

is undisputed that Hamilton never presented a written request for the claim forms,

nor is it disputed that precedent has established that claim forms do not fall within

the category of documents covered by §1024. See Allinder v. Inter-City Products

Corp. (USA), 152 F.3d 544, 548-50 (6th Cir. 1998). Therefore, Allen did not have

a fiduciary duty to provide Hamilton with claim forms without prior proper

solicitation by Hamilton.

In sum, the district court erred in dismissing Hamilton’s wrongful

termination claim because Eleventh Circuit law states that such claims are properly

asserted against the employer who acts as a plan administrator. The district court

also erred in granting summary judgment for Allen on Hamilton’s breach of

fiduciary duty claims because it relied on a reversed case, and because most of the

acts that Hamilton has alleged Allen committed fall under the rubric of fiduciary

acts.

III

For the foregoing reasons, we REVERSE the district court’s decision on

both issues and REMAND for further proceedings consistent with this opinion.