Opinions September 3, 2025
7th Circuit Court of Appeals
Karen Moratz v. Reliance Standard Life Insurance Company
24-2825
Civil. Appeal from the United States District Court for the Southern District of Indiana, Indianapolis Division. Judge Richard Young. Affirms the district court’s summary judgment order in favor of Reliance Standard Insurance Company against Karen Moratz’s lawsuit under the Employee Retirement Income Security Act of 1974 for her disability coverage claim. Finds Moratz was not eligible for benefits in December 2020, when her first application indicated that she was unable to work. Also finds the additional information that Moratz supplied on appeal constituted information about a separate loss—her inability to work beginning in mid-September 2021—and that is a new claim for benefits, requiring Moratz to complete a separate claim process. Attorney for appellant: Robert Saint. Attorney for appellee: Joshua Bachrach.