Kathleen Safford v. Sedgwick Claims Management Services, Inc.

Court of Appeals for the Eleventh Circuit·Decided June 24, 2026·No. 25-11062·Unpublished

Opinion

NOT FOR PUBLICATION

In the

United States Court of Appeals For the Eleventh Circuit

No. 25-11062

Non-Argument Calendar

KATHLEEN SAFFORD, Plaintiff-Appellant,

versus

SEDGWICK CLAIMS MANAGEMENT SERVICES, INC., a foreign corporation,

Defendant-Appellee.

Appeal from the United States District Court for the Middle District of Florida D.C. Docket No. 5:23-cv-00515-JSM-PRL

Before ABUDU, KIDD, and ANDERSON, Circuit Judges. PER CURIAM:

2 Opinion of the Court 25-11062

Kathleen Safford appeals the district court’s entry of summary judgment in favor of her former employer on her discrimination , retaliation, and hostile work environment claims. After careful review, we agree with the district court that Safford failed to timely exhaust her administrative remedies on those claims and affirm .

I. BACKGROUND

Safford worked for Sedgwick Claims Management Services, Inc. (“Sedgwick”) from 2016 through 2023. According to Safford, during her time at Sedgwick, she routinely handled difficult and complex insurance claims but was repeatedly passed over for supervisory promotions. Indeed, in January 2022, Rob Meraz, a 50-year-old man, was hired from outside the company for the Director of Complex Claims and Litigation role and became Safford’s immediate supervisor. Safford contended that Meraz was unqualified for this position because he had no experience handling complex commercial claims and did not possess the proper licensure for the first six months of his employment. She also suggested that in the two years prior to her departure from Sedgwick, every supervisory position in her department was filled by a man under 50 years old, “regardless of that person’s qualifications and experience .”

Further, according to Safford, once she turned 65 in October 2022, she became the target of age and sex discrimination and was subjected to a hostile work environment. Specifically, during a phone call on December 6, 2022, Meraz allegedly denied Safford’s

25-11062 Opinion of the Court 3

request for a lighter workload, and just three days later she received a Final Written Notice (“FWN”), alleging deficient performance based on inappropriate behavior during a client call the month before and mishandling of an insurance claim that led to the client’s counsel providing incorrect advice. Then, in April 2023, Safford received an Extended Final Written Notice stating that she was not complying with the original FWN’s corrective plan and outlining additional performance issues. During this time, Safford was also allegedly subjected to verbal harassment and bullying and began to receive fewer work assignments. Sedgwick ultimately terminated Safford on July 25, 2023, for violating a company confidentiality policy, as she had been forwarding company emails to her personal account.

Following her termination, Safford filed a counseled complaint against Sedgwick and raised the following claims: (1) age discrimination under the Age Discrimination in Employment Act of 1967 (“ADEA”); (2) age discrimination under the Florida Civil Rights Act (“FCRA”); (3) sex discrimination under Title VII of the Civil Rights Act of 1964; (4) sex discrimination under the FCRA; (5) retaliation under the FCRA; (6) retaliation under the ADEA; (7) hostile work environment under the ADEA, Title VII, and the Americans with Disabilities Act (“ADA”); (8) defamation; and (9) breach of contract.

In her complaint, Safford indicated that she had timely filed a charge of discrimination with the Equal Employment Opportunity Commission (“EEOC”). In that EEOC charge, which was

4 Opinion of the Court 25-11062

attached to the complaint, Safford noted that her allegations were “based upon age and sex,” and she identified the earliest date of discrimination as December 9, 2022, but noted that this was a “continuing action.” Safford further supplied the EEOC with the following “particulars of the discrimination”:

Petitioner has been employed by Sedgwick since 2016 and is now a Senior Complex Claims Advisor, a position that she has held since approximately July 2021. On December 9, 2022, Petitioner received a ‘Final Written Notice’ alleging false claims of performance issues in her employment. Although the notice was identified as a ‘Final Written Notice,’ Petitioner had never previously received any written notice of performance deficiencies prior to December 9, 2022. Petitioner is a 65 year old woman. Sedgwick has been hiring and/or promoting younger inexperienced males to serve as supervisors in Petitioner’s department and all upper management at Sedgwick for property claims in the US and Canada are male. The Petitioner’s supervisors have discussed Petitioner’s age and the fact that she is a grandmother. The accusations in the ‘final written notice’ are false and being used as a pretext to terminate Petitioner from her employment . The remedial actions demanded by Petitioner ’s supervisors are impossible to meet while effectively performing her job and are being utilized to set up Petitioner for failure. Despite being better qualified than other candidates, Petitioner has been passed over for promotion. Less qualified and younger male employees have received promotions

25-11062 Opinion of the Court 5

instead of Petitioner. Respondent’s hiring and promotion practices demonstrate that the real reason Petitioner has been singled out for adverse employment action is due to her age and the fact that she is a woman.

The EEOC received Safford’s charge on February 1, 2023.

After the EEOC was unable to act on the charge within 180 days of filing, it issued Safford a right to sue letter, and the instant complaint followed.

On Sedgwick’s motion, the district court dismissed Safford’s defamation and breach of contract claims. Safford does not challenge the dismissal of these claims on appeal. Sedgwick thereafter filed an answer to the complaint that denied the allegations, including those related to Safford’s EEOC charge, and alleged several affirmative defenses, including that Safford’s claims were barred by her failure to timely exhaust her administrative remedies. And following discovery, Sedgwick moved for summary judgment on the remaining claims, primarily based on Safford’s failure to exhaust.

The district court agreed and granted Sedgwick’s motion.

The court first noted that Safford’s EEOC charge, her only filing before the agency, did not specifically contain any claims related to Meraz’s hiring, her termination, any alleged disability, or a hostile work environment. The court went on to conclude that, to the extent that Safford’s four discrimination claims were premised upon Meraz’s hiring, they were time-barred because her charge was filed 373 days after that purported discriminatory action.

USCA11 Case: 25-11062 Document: 26-1 Date Filed: 06/24/2026 Page: 6 of 11

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The district court further disagreed with Safford that her claims based upon her termination and an alleged hostile work environment could be reviewed as “continuing violations.” It found that her allegations related to her termination “d[id] not amplify, clarify, or more clearly focus” the content of her EEOC charge. Rather , the court concluded that Safford’s termination was an entirely separate matter based on a policy violation, not purported performance issues or discipline. It further noted that Safford admitted during her deposition that she “did not identify anyone in the charge who discriminated against her, and her termination, hostile work environment, and . . . alleged disability [were] not part of her EEOC charge.” The court elaborated that the EEOC’s “charge file” confirmed that it did not undertake an investigation related to any claims arising out of Safford’s termination, a purported hostile work environment, an alleged disability, or discriminatory hiring.

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Kathleen Safford v. Sedgwick Claims Management Services, Inc., (11th Cir. 2026).

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