Jennifer Akridge v. Alfa Mutual Insurance Company

93 F.4th 1181
CourtCourt of Appeals for the Eleventh Circuit
DecidedFebruary 16, 2024
Docket22-12045
StatusPublished
Cited by40 cases

This text of 93 F.4th 1181 (Jennifer Akridge v. Alfa Mutual Insurance Company) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eleventh Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jennifer Akridge v. Alfa Mutual Insurance Company, 93 F.4th 1181 (11th Cir. 2024).

Opinion

USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 1 of 51

[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

____________________

No. 22-12045 ____________________

JENNIFER AKRIDGE, Plaintiff-Appellant, versus ALFA INSURANCE COMPANIES,

Defendant,

ALFA MUTUAL INSURANCE COMPANY,

Defendant-Appellee.

____________________ USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 2 of 51

2 Opinion of the Court 22-12045

Appeal from the United States District Court for the Middle District of Alabama D.C. Docket No. 2:17-cv-00372-JTA ____________________

Before GRANT, ABUDU, and HULL, Circuit Judges. HULL, Circuit Judge: Plaintiff Jennifer Akridge appeals the entry of summary judgment for her former employer, defendant Alfa Mutual Insurance Company, on her claim brought under the Americans with Disabilities Act (“ADA”), 42 U.S.C. § 12112(a). Akridge contends Alfa discriminated against her by terminating her to avoid paying healthcare costs related to her multiple sclerosis (“MS”) and severe migraines. Akridge stresses that Alfa self insures for medical plans. Alfa responds that after most of Akridge’s duties became automated, her position was no longer needed, and Alfa eliminated it to cut business expenses. Alfa’s medical plan was administered by a third party, BlueCross BlueShield (“BCBS”). Alfa argues there is no evidence Alfa’s decisionmakers knew Akridge’s healthcare costs. Additionally, Akridge asserts that she is not required to show her disability was a but-for cause of her termination but may simply show it was a motivating factor. Akridge also appeals the award of $1,918 in discovery sanctions in favor of Alfa. USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 3 of 51

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After review, and with the benefit of oral argument, we affirm the grant of summary judgment in favor of Alfa and the sanctions award of $1,918 against Akridge. I. FACTUAL BACKGROUND Because Akridge was the non-moving party at summary judgment, we view the evidence in the light most favorable to her and draw all reasonable inferences in her favor. Crane v. Lifemark Hosps., Inc., 898 F.3d 1130, 1133-34 (11th Cir. 2018). When factual conflicts arise, we must credit the non-moving party’s version. Feliciano v. City of Mia. Beach, 707 F.3d 1244, 1252 (11th Cir. 2013). A. Akridge’s Employment at Alfa In 1989, Akridge began working at Alfa, an insurance company. In 1993, Akridge was diagnosed with MS and began suffering from severe migraines. By 2015, Akridge was promoted to a strategic coordinator position in Alfa’s auto underwriting department. Akridge’s primary task concerned the strategic underwriting program, in which she worked with Alfa’s agents and district managers to identify profitable policies for struggling agents. Akridge also (1) prepared a monthly strategic underwriting report for that program; (2) created manuals for auto and watercraft underwriting; (3) verified proofs of insurance for lawsuits with auto claims; (4) assisted with rate filings for the state insurance department; and (5) taught workshops for agents and district managers. USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 4 of 51

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By all accounts, Akridge excelled at her job, with excellent performance reviews. In the mid-nineties, Alfa named her employee of the year. Akridge estimated that she reduced Alfa’s losses by $2 million in her first nine months as coordinator of the strategic auto underwriting program. Alfa was self-insured and paid the healthcare costs of its employees. Akridge estimated that it cost Alfa between $10,000 and $12,000 per month to treat her MS and migraines. While it was common knowledge at Alfa that Akridge had MS, no one at Alfa ever said anything to Akridge about her healthcare costs. B. Guidewire Between 2012 and 2016, Alfa developed Guidewire, a new computer program that “changed how [Alfa] d[id] business” because it automated certain capabilities. Among other things, Guidewire enabled agents and district managers to access the strategic underwriting information that Akridge previously gathered and distributed. Alfa estimated Guidewire would cost $90 million to develop, but it ultimately cost between $150 and $160 million. C. Decisionmakers and the Decision to Terminate Akridge In 2016, Akridge’s chain of command was as follows: (1) her immediate supervisor was Robert Plaster, Director of Underwriting Services; (2) Plaster reported to Beth Chancey, Vice President of Property and Casualty Operations; and (3) Chancey USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 5 of 51

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reported to Tommy Coshatt, Senior Vice President of Property and Casualty Underwriting (collectively the “decisionmakers”). The decisionmakers discussed eliminating Akridge’s position for one to two weeks before her termination. They ultimately decided to terminate Akridge because some of her responsibilities were now automated and other responsibilities that could not be automated were absorbed by other employees. Akridge’s non-automated responsibilities were given “to other people in the department that had been doing those [tasks] as well.” Chancey testified that Alfa did not have enough spare responsibilities to combine with these non-automated duties to keep Akridge’s position or create a new one for her. Regarding automation, the decisionmakers testified that Alfa had automated the strategic underwriting program, including the report Akridge created. Essentially, Akridge’s interaction with agents and district managers using information from the strategic underwriting report became an automated “pull and a self-service functionality,” allowing agents and district managers in the field to access that information themselves. Plaster, Akridge’s direct supervisor, characterized this responsibility as the “major portion of [Akridge’s] job” that was now automated, and that her remaining responsibilities were “minor parts, very small.” Akridge confirmed that “[w]orking with the agents and district managers” using “data from the reports was the majority of [her] day.” As for Akridge’s workshops, Chancey testified that they were meant to introduce agents to the strategic USCA11 Case: 22-12045 Document: 54-1 Date Filed: 02/16/2024 Page: 6 of 51

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underwriting report and were no longer needed after the agents became familiar with the report because they could direct questions to their supervisors. Coshatt and Plaster also testified that Alfa increased webinars and eLearning instead of relying on Akridge’s workshops. Having made their decision, but prior to terminating Akridge, the decisionmakers spoke with Susan White, who worked in Alfa’s human resources (“HR”) department. White was not involved in the decision to terminate Akridge. White only advised the decisionmakers on the administrative steps of terminating Akridge, including drafting a severance agreement and calculating her final paycheck. Akridge’s disabilities did not come up during these conversations. In December 2016, Coshatt and Plaster informed Akridge in person that Alfa was eliminating her position effective immediately due to the expense of developing Guidewire and in the interest of cutting business expenses companywide. During this meeting, Coshatt and Plaster did not mention Akridge’s disabilities or healthcare costs. They also provided Akridge with Alfa’s standard severance agreement and general release.

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Bluebook (online)
93 F.4th 1181, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jennifer-akridge-v-alfa-mutual-insurance-company-ca11-2024.