United States Court of Appeals

For the Seventh Circuit

Chicago, Illinois 60604

Argued June 13, 2007

Decided June 26, 2007

Before

Hon. JOHN L. COFFEY, Circuit Judge

Hon. JOEL M. FLAUM, Circuit Judge

Hon. ANN CLAIRE WILLIAMS, Circuit Judge

No. 06-3609

GARY ZAMECNIK,

Plaintiff-Appellant, 

v.

ABBCO, INC. ERISA PLAN, et al.,

Defendants-Appellees.

Appeal from the United States 

District Court for the Northern 

District of Illinois, Eastern Division.

No. 03 C 2664

David H. Coar,

Judge.

O R D E R

Gary Zamecnik worked as a sales manager for Abbco, Inc., until September

1999 when purportedly he became disabled. At Abbco he was covered by a longterm disability plan of insurance underwritten and administered by Continental

Casualty Company. Sixteen months after he stopped working, he filed a claim for

disability benefits with Continental, which was denied. Zamecnik then turned to

the district court and filed suit under the Employee Retirement Income Security Act

of 1974. See 29 U.S.C. § 1132(a)(1)(B). The district court entered summary

judgment against Zamecnik, and he now appeals. Because Zamecnik failed to

provide timely notice of his disability claim, we affirm.

NONPRECEDENTIAL DISPOSITION

To be cited only in accordance with 

Fed. R. App. P. 32.1
No. 06-3609 Page 2

Background

In January 2001 Zamecnik filed a claim with Continental for benefits,

asserting that he was disabled due to “rheumatoid arthritis—joint

surgery—accident motor veh. 6-3-00.” In this claim he explained that he stopped

working at Abbco on September 7, 1999, which, according to the terms of the

disability insurance plan, resulted in the termination of his coverage as of that date

because he no longer was an active employee working at least 30 hours per week. 

However, under the plan Continental remained liable for losses that began before

the date coverage ended, and according to two fill-in-the-blank forms completed by

Zamecnik’s rheumatologist, he had been disabled as of September 7, 1999. 

To review his claim, Continental requested medical records from Zamecnik’s

doctors, including his rheumatologist. These records show that in 1996 Zamecnik

was diagnosed with seronegative spondyloarthropathy, a group of inflammatory

joint diseases similar to rheumatoid arthritis. The records document that on

September 2, 1999, Zamecnik called his rheumatologist and left a message that he

was having an emergency due to pain in his right arm and elbow. However,

Zamecnik did not visit his rheumatologist until November 1999, at which time the

doctor noted that he was “doing fairly well lately,” an observation he repeated in a

letter written two months later. 

Records requested by Continental also show that on September 20, 1999,

Zamecnik visited a podiatrist who noted that Zamecnik reportedly was experiencing

“excruciating” foot pain and injected him with pain killers. But just ten days later,

the podiatrist noted that Zamecnik was much improved. In December 1999

Zamecnik underwent a bunionectomy to treat his foot. By April 2000 his podiatrist

noted that Zamecnik was “asymptomatic . . . happy and pain free.” Despite the

success of the surgery, Zamecnik did not return to Abbco. 

Two months later Zamecnik was in a serious motor-vehicle accident that

resulted in a ruptured spleen and multiple rib fractures. After this accident

Zamecnik visited his rheumatologist twice complaining of constant pain under his

rib cage and flank. In October 2000 Zamecnik’s rhuematologist wrote a letter “To

Whom it May Concern” explaining that, based on these examinations, Zamecnik

was disabled. 

In May 2001, after reviewing these records, Continental denied Zamecnik’s

request for disability benefits, noting that the medical evidence did not demonstrate

that he was disabled before he stopped working and his coverage ended in

September 1999. Zamecnik then provided Continental with additional evidence and

requested reconsideration of his claim. This evidence included a July 2001 letter

from Zamecnik’s rheumatologist, addressed to Zamecnik’s attorney, stating that he
No. 06-3609 Page 3

1

 Continental apparently was named as a defendant because it is the

administrator of Abbco’s ERISA Plan, although the parties do not say so explicitly.

Zamecnik also named Abbco and Abbco’s ERISA Plan as defendants, and they filed a

parallel motion for summary judgment. Because Abbco is neither the Plan nor the

Plan Administrator, it cannot be held liable under ERISA, and therefore is not a proper

party to this lawsuit. See Garratt v. Knowles, 245 F.3d 941, 949 (7th Cir. 2001); Jass

v. Prudential Health Care Plan, Inc., 88 F.3d 1482, 1490 (7th Cir. 1996). For

simplicity, this order refers only to Continental. 

became disabled due to his joint disease “in the latter months of 1999.” Continental

concluded that the additional information did not alter its original decision. 

Zamecnik’s claim was then reviewed by Continental’s Appeals Committee, which

upheld the denial of his claim. In this decision Continental noted that the

insurance plan required Zamecnik to provide it with written notice of his claim

“within 30 days after the loss begins or as soon as reasonably possible.” Because

Zamecnik, without explanation, did not file his claim until 16 months after his

disability purportedly began, Continental concluded that he did not timely file it. 

After his appeal was denied, Zamecnik wrote again to Continental, noting that the

Social Security Administration had decided he was disabled as of December 1999

and was eligible for disability benefits. Responding that it was not bound by the

Social Security Administration’s finding, Continental again affirmed its decision to

deny benefits. 

Zamecnik then sued under ERISA to recover disability payments. See 29

U.S.C. § 1132(a)(1)(B). The parties agreed that the district court should review

Continental’s denial of benefits de novo and that the evidence should consist only of

Continental’s administrative claim file. The parties filed cross motions for

summary judgment. Continental1

 argued both that Zamecnik was not disabled

when he ceased active employment in September 1999, and that even if he was

disabled he did not timely file a claim for benefits. The district court ruled against

Zamecnik. Without commenting on the timeliness of Zamecnik’s claim for benefits,

the court reasoned that “there is simply no credible proof that he was totally

disabled at the time he stopped working.” 

Discussion

Zamecnik challenges the adverse ruling at summary judgment. The scope of

the district court’s review of Continental’s ruling on Zamecnik’s claim is governed

by the ERISA plan itself—“[a]bsent clear language to the contrary, plans are read to

provide for searching judicial review of benefits determinations.” Patton v.

MFS/Sun Life Fin. Distrib., Inc., 480 F.3d 478, 485 (7th Cir. 2007). Here, the

parties agree that the district court appropriately reviewed Continental’s denial of
No. 06-3609 Page 4

disability payments de novo. In turn, we review the district court’s grant of

summary judgment de novo, drawing all reasonable inferences in Zamecnik’s favor. 

See Sperandeo v. Lorillard Tobacco Co., Inc., 460 F.3d 866, 870 (7th Cir. 2006). 

Ordinary principles of contract interpretation govern the interpretation of

Continental’s disability plan. See Herzberger v. Standard Ins. Co., 205 F.3d 327,

330 (7th Cir. 2000); Mathews v. Sears Pension Plan, 144 F.3d 461, 465 (7th Cir.

1998). 

Continental has renewed its argument that it properly denied Zamecnik

benefits since he did not timely file his claim. The plan requires that the insured

provide written notice of a claim for disability benefits “within 30 days after loss

begins or as soon as reasonably possible,” but Zamecnik waited 16 months.

Although the district court did not address this argument, this court may affirm a

grant of summary judgment on any basis fairly supported by the record. See Hill v.

Am. Gen. Fin., Inc., 218 F.3d 639, 642 (7th Cir. 2000). 

Zamecnik has never explained this delay in filing his claim. He ignored the

point when he responded to Continental’s motion for summary judgment, and

during oral argument before us his counsel admitted that “there isn’t anything in

the record that explains it.” It was up to Zamecnik to show that he timely filed his

claim, and because he cannot point to anything in the record to justify his 16-month

delay, the district court did not err in entering summary against him. Morever, we

can discern nothing that would have excused a delay of this length if Zamecnik

really did become disabled before he ceased working in September 1999. Even his

multiple health problems cannot account for this long delay. Zamecnik’s podiatrist

noted that he was in excruciating pain in September 1999, which may have delayed

his filing, but according to the podiatrist Zamecnik was much improved by the end

of that month. We see no reason why he could not have filed his claim between the

end of September 1999, and his bunionectomy in December 1999. Even Zamecnik’s

rheumatologist noted that he was “doing fairly well” in November 1999. Similarly,

while Zamecnik’s December bunionectomy could have briefly prevented him from

filing a claim, it does not explain why he failed to file the claim after he was fully

healed in April 2000. Zamecnik’s June 2000 accident and subsequent

hospitalization may have forestalled his filing, but it does not excuse his failure to

file a claim before then. 

We need not address Zamecnik’s contention that he became disabled while

covered by the disability plan. He admits that nothing in the record explains the

16-month delay in filing his claim for benefits, therefore his claim was properly

denied. Accordingly, we AFFIRM the judgment of the district court.