Options for a Life Insurance Claim Payout

Web Admin - Thursday, June 28, 2018
Rolling Meadows life insurance claim lawyerA life insurance policy can provide a family with the reassurance that they will be able to maintain financial security if tragedy strikes and a family member dies. Life insurance benefits can account for the income that a deceased person would have provided for their family, as well as expenses such as the costs of medical care prior to a person’s death or burial and funeral expenses. When filing a claim, it is important to understand the options for receiving a payout of life insurance benefits.

Payout Options

After the death of a person covered by a life insurance policy, the beneficiaries of the policy should file a claim with the life insurance company, and they must provide a copy of the deceased person’s death certificate. If the claim is approved, the beneficiaries may receive a payout in one of several ways, including:

- Lump sum - The entire amount of the benefit may be paid at one time, allowing beneficiaries to use these funds to pay outstanding expenses or invest them as they choose.

- Annuity - A benefit may be paid to beneficiaries in installments, providing regular income for a certain number of years. This allows beneficiaries to not only receive the money they need on an annual basis, but they will also receive interest on funds that have not been paid out. However, while life insurance benefits are not taxable, interest earned on these benefits is considered taxable income.

- Payout checkbook - Some insurers will hold benefit funds for beneficiaries while allowing them to withdraw money as needed by writing checks. Funds held by an insurer may also generate interest until they are withdrawn.

- Life income - Some plans may allow beneficiaries to receive a fixed monthly income based on the amount of the benefit, their age, and their life expectancy. The beneficiary will receive a guaranteed amount for the rest of their life, regardless of whether they die before or after they reach the age to which they are expected to survive.

- Pre-death payments - While life insurance benefits are usually paid after a person’s death, in some cases, they may be available while a person is still alive to offset the costs of medical care for a terminal illness.

Contact a Des Plaines Life Insurance Attorney

After a person’s death, the prompt payout of life insurance benefits is essential, allowing a family to cover their costs and meet their ongoing needs. If a life insurance company has denied your claim or delayed the payout of your benefits, Drost, Gilbert, Andrew & Apicella, LLC can work with you to help you receive the benefits you deserve. Contact our Palatine life insurance claims lawyers at 847-934-6000 to arrange a personalized consultation.

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.


What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

insurance lawsuit, Palatine insurance lawyerPeople purchase insurance with the goal of protecting themselves in the event that something unfortunate happens. However, no matter how hard people try to understand their policies and the limitations on them, many people face situations where they feel that the insurance company should be compensating them, but the company refuses. When this happens, people have a variety of options.

First, they can enter into an internal appeals process. Most insurance companies have a function that allows other employees of the company to review refusals and determine if they were warranted. If that fails, then the Illinois Department of Insurance also investigates some insurance-related issues. Alternatively, people with issues that neither of those strategies can solve may need to sue their insurance company if they want to see the compensation that they have already paid for. It is important for people to understand the process of a lawsuit and the length of time that it may take. Insurance companies are expert litigators, and they may drag the process out.

Understanding a Lawsuit

The beginning part of the process for filing a lawsuit against your insurance company involves hiring a lawyer and filing a complaint against them. The complaint is a legal document that triggers a lawsuit, and lays out the general allegations against the insurance company. Once this happens, the insurance company is allowed to respond with a document called an answer. The answer takes each fact asserted by the complaint and either confirms or denies them, so that both parties understand what is in dispute. Once this happens your lawyer and the insurance company lawyers will engage in discovery.

Discovery is a legal process in which both sides ask the other side questions to better understand the facts. This is mainly done through requests for documents, written questions called interrogatories that the other side has to answer, and depositions, which are in-person interviews. The majority of lawsuits end at some point during this phase. As more information comes out, both sides begin to understand their chances of winning at trial, and they likely reach a settlement. In the event that there is no settlement, the case moves to trial where both sides' attorneys present their arguments to the judge, who eventually makes the final legal decision.

Your Part in the Process

Not every step in that process will require the client's involvement. Initial interviews will need to be done for the attorney to get a picture of the case, and there will also be periodic conferences as new facts appear or the case moves forward. The most intensive piece that the client will need to do is prepare for a deposition in case the insurance company wants to depose them. This may require working with the client's attorney to better understand the types of questions that they company may ask, so that the deposition goes smoothly.

If you are currently having an issue with an insurance company and would like to file a lawsuit against them, contact a dedicated Illinois insurance dispute attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, we represent clients in many northwest suburban towns including Inverness, Palatine, and Schaumburg.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

How to Handle a Denied Insurance Claim in Illinois

Web Admin - Tuesday, May 13, 2014

illinois denied insurance attorneyPeople purchase insurance coverage to protect themselves when something goes wrong. Depending on the type of insurance, claims can be paid out for health issues, auto accidents, home repairs, or deaths in the family, among other things. These are already stressful events. A denied insurance claim merely serves to add more stress and difficulty to an already trying situation. The reasons for such a denial can be varied and depend on the type of insurance in question, but in these situations consumers have options available to them to contest the insurance denial.

Reasons for a Denial

The reasons for an insurance company to deny a claim on a policy vary greatly between different types of insurance. For instance, a company providing a life insurance policy may reject a policy claim based on a belief that the person’s death was actually a suicide, or a company providing health insurance could reject a claim made for a specific treatment by arguing that the treatment was not actually medically necessary. However, there are also some grounds for a denial that span across the insurance industry. One of the most common is a “material misrepresentation,” which means that the company believes that the policyholder lied or withheld important information during the application for a policy.

Exactly what qualifies as a material misrepresentation changes from industry to industry. Health or life insurance companies would argue that hiding a prior medical condition may be a material misrepresentation, while an auto insurance company would be more concerned with a past accident. Furthermore, any of these reasons could just be a pretext for a “bad faith” denial, which means that the insurance company privately believes that the policyholder has a valid claim, and simply does not want to part with its money.

Contesting a Denial

Policyholders facing a denied claim do have options available to them. The process will likely begin with the insurance company’s internal appeals process. This may involve letter writing, phone calls, or in-person interviews where the policyholder explains their position. It can be advantageous to consult a lawyer at this point for two reasons.

First, the insurance company may have lawyers involved at this stage, so it evens the playing field. Second, if the issue does proceed to a lawsuit, the lawyer will already know the case’s history and they may be able to prevent early missteps that would cause problems in litigation, which would be the next step if the internal appeals fail. The one exception to this is in the case of health insurance. Illinois recently passed a law allowing policyholders to apply for an independent external review in the case of a denied health insurance claim.

If you are dealing with a denied insurance claim, you do not need to do it alone. Reach out to a skilled Schaumburg insurance dispute attorney today. Our team represents clients across the northwest suburbs, including in towns such as Crystal Lake, Arlington Heights, and Buffalo Grove, Illinois.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

What to Do if Your Life Insurance Claim is Denied

Web Admin - Tuesday, February 04, 2014

illinois life insurance claim lawyer

The law provides insurance companies with a variety of methods to protect themselves against fraud. Unfortunately, insurance companies may attempt to use these tools to withhold payment on legitimate claims. Two of the common ways that life insurance companies may try to stop beneficiaries from collecting on their claims are by rescission of the policy and denial of the insurance claims
A policy rescission occurs when the insurance company alleges that the person who took out the policy misrepresented material facts about themselves. If successful, this allows the insurance company to withdraw the person’s coverage. Conversely, if an insurance company denies a claim, they do not contest the validity of the whole policy. Instead, they are simply saying that the person’s death fell into an exception in the insurance. While both of these tactics result in a non-payment of the claim, they require different strategies to handle them.

Dealing with Rescission

When an insurance company rescinds a contract, they declare that the entire policy is invalid. One of the most common reasons that an insurance company will give for such a rescission is a “material misrepresentation.” This means that the company claims that the deceased wrongfully answered questions on the application related to things such as their age or medical history. To fight a rescission of this sort, your insurance attorney must prove that the deceased either did not make such a misrepresentation, or that any misrepresentation was not material. 

Fortunately, Illinois law does provide some protection in these circumstances. First, the law requires that the alleged misrepresentation occurred on the actual policy application, and not simply in a conversation with the insurance company. Second, the law forbids insurance companies from rescinding policies more than two years after issuance, except in cases of non-payment of premiums.

Dealing with Denial

An insurance company can deny a claim for several reasons, often because they believe the death falls into a policy exception, or because they believe the person filing the claim is not the proper beneficiary. One common fight over policy exceptions occurs when the insurance company asserts that a person’s wrongful death was actually a suicide, as suicides are ordinarily not covered by life insurance. Overcoming this sort of denial often requires bringing forth evidence to prove that the death truly was an accident.

If you believe that your life insurance policy was improperly revoked or if you had a life insurance claim denied recently, then consider contacting an Illinois insurance attorney today. Our firm handles cases across the northwest suburbs, including in Arlington Heights, Rolling Meadows, and Des Plaines.

About the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.

Recent Posts


irrevocable trust Illinois employment law attorney Palatine civil attorney Des Plaines Traffic Lawyer Palatine injury attorney problem employees Illinois wills and trusts Long Grove real estate lawyer trucking accidents drunk driving statistics boating under the influence insurance claims Schaumburg personal injury lawyer fiduciary rule delay Illinois criminal defense attorney holiday statistics Illinois employment attorneys Rolling Meadows employment law attorney Schaumburg injury lawyer Des Plaines criminal attorney estate planning lawyer medical malpractice Illinois workers compensation attorney Illinois insurance claim dispute lawyers uninsured motorist Des Plaines insurance attorney Barrington business law firm drug crimes lawyer mass shooting boating accidents Arlington Heights wills and trusts lawyer South Barrington real estate lawyer criminal defense Chicago attorney license reinstatement Crystal Lake estate planning lawyer criminal record Transfer on Death Instrument natural gas reckless homicide Arlington Heights accident attorney Schaumburg criminal law attorney real estate zoning Chicago lawyer Inverness DUI lawyer Arlington Heights wills and trusts attorneys Schaumburg criminal attorney motorcycle accident lawyer capital gains tax Barrington criminal defense lawyer Arlington Heights employment attorney Illinois personal injury workers compensation benefits Illinois estate planning South Barrington real estate attorney Crystal Lake traffic attorney Palatine trusts lawyer forming a corporation in Illinois license overtime violations Rolling Meadows employment law attorneys vacation home Crystal Lake personal injury lawyer Joliet general practice lawyers Jay Andrew Deer Park traffic lawyer rollover car crashes Crystal Lake pedestrian accident lawyer real estate attorney llinois Real Estate Lawyers Association Illinois collections attorney Crystal Lake accident attorney Chicago biking tips traumatic brain injury car accident lawyer drunk driving DMV denial of life insurance trusts Legal Info consent to a search car crash foreclosure Illinois Probate Act of 1975 installment contracts insurance adjusters Schaumburg Schaumburg medical malpractice lawyer Illinois driving without license Rolling Meadows business lawyer Buffalo Grove employment lawyer dynasty trusts Crystal Lake medical malpractice attorneys Barrington litigation attorney Crystal Lake law firm Schaumburg civil litigation attorney pet law Deer Park traffic accident attorney Barrington civil litigation attorney cell phone accidents Crystal lake insurance dispute attorney investment property disability benefits unfunded trust Crystal Lake injury attorney medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers traffic violations defense elder law Mt Prospect Attorney Rolling Meadows criminal attorney Schaumburg probate attorney wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Barrington personal injury attorney life insurance Detainer Actions texting while driving Crystal Lake personal injury attorney health insurance dispute Crystal Lake employment law attorney Barrington Traffic Lawyer Chicago will attorney Palatine probate lawyer Fourth of July boating DUI drug crime Illinois estate planning attorney living wills real estate closing Barrington employment law attorney trauma after an accident Schaumburg estate planning attorney estate planning for college students foreclosed rental property special needs trust Illinois traffic accident lawyer Illinois red light cameras employment lawyer compensatory time sexual images automated cars Palatine insurance lawyer head on collisions IRS traumatic brain injuries car accidents Inverness probate lawyer Illinois estate planning law firm Rolling Meadows personal injury lawyer digital evidence Barrington injury attorney IRA trust transfer Buffalo Grove criminal defense lawyer Arlington Heights car crash attorneys workers comp estate attorney fault based insurance agent bicycle accidents expungement Illinois insurance claim attorney fatal car accidents Rolling Meadows litigation lawyer denied insurance claims Illinois bike accident Arlington Heights Traffic Lawyer nursing home negligence traffic accidents Long Grove estate planning attorneys Des Plaines personal injury attorney Palatine business attorney ACA startup company Illinois workplace lawyer Home Remodeling Repair Act Illinois civil litigation lawyer unpaid overtime GM ignition switches income distribution deducation insurance claim Rolling Meadows medical malpractice lawyers accidental death benefits Illinois trusts attorney Crystal Lake business law attorneys pet bites drug crimes revenge porn Illinois Trust Code Des Plaines motorcycle accident attorney Rolling Meadows boating crash lawyer swimming pools Rolling Meadows corporate lawyer criminal Illinois car accident attorney Palatine Attorney Palatine workers compensation lawyer personal injury attorney traffic tickets Deer Park real estate law firm Inverness accident lawyer insurance claim denials Retaliatory Discharge Class A misdemeanor Arlington Heights wills and trusts lawyers Schaumburg Attorney digital assets deadly crashes wage theft changes to mortgage law car crashes Barrington estate planning lawyer Des Plaines claims law firm home inspection lawyer speeding Schaumburg insurance lawyers Buffalo Grove probate lawyer food poisoning subcontractor Illinois medical malpractice attorney estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Buffalo Grove traffic attorney Crystal Lake tax lawyer medical malpractice claims involuntary manslaughter Illinois business law atorneys filing a medical malpractice claim Buffalo Grove law firm construction contracts taxes Landlord Tenant Ordinance Rolling Meadows Attorney criminal law Arlington Heights wills and trusts attorney Mount Prospect elder law attorney pedestrian accident traffic crimes Kenilworth estate planning lawyer Rolling Meadows insurance lawyer Rolling Meadows Traffic Lawyer hit and run accident Illinois traffic ticket lawyer driving real estate attorneys Illinois registered agent estate planning attorney FSLA IRELA real estate icy parking lots Buffalo Grove traffic lawyers Illinois defective products attorney Schaumburg estate planning lawyer Illinois wills and trusts attorneys Illinois speeding lawyer medication errors insurance disputes Fair Labor Standards Act Arlington Heights car accident lawyer ObamaCare insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys brain injury Crystal Lake criminal defense attorney Illinois wrongful termination lawyer modern family estate planning pregnant women insurance claim dispute drug possession Long Grove estate planning attorney auto accidents Rolling Meadows employment attorney Illinois law Barrington estate planning attorney product liability whistleblower protections Schaumburg drug defense lawyer jet ski Illinois rollover accident lawyers deed transfer clemency social media after death comparative negligence Long Grove wills and trusts attorneys murder civil rights violation caretaker rights personal injury claims blood alcohol content Palatine elder law attorney license revocation crossover accidents Buffalo Grove personal injury lawyer unauthorized overtime homestead rights Barrington Illinois estate planning lawyer Des Plaines tax law firm Kenilworth estate planning attorney Des Plaines DUI attorney insurance dispute work unions Chicago insurance claim attorneys mortgage senior citizens golf accidents real estate leasing power of attorney for healthcare Palatine personal injury lawyer Attorney Ken Apicella pain and suffering digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers Palatine traffic accidents drugs healthcare claims right to work Illinois business lawyer Arlington Heights real estate lawyer medical research Illinois Transfer on Death Instrument Illinois workplace discrimination attorney Illinois motorcycle accident lawyer Rolling Meadows insurance dispute lawyers privacy probate college kids gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys condo Inverness insurance attorney Rolling Meadows personal injury attorney DUI penalities employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, elder abuse Illinois will lawyer Palatine punch death Illinois insurance claims lawyers ken apicella Rolling Meadows accident lawyer Illinois Human Rights Act Federal Food Drug and Cosmetic Act pedestrian injuries, pedestrian fatality DUI attorney construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation Inverness civil lawyer Chicago estate planning lawyer personal injury lawyer Des Plaines civil attorney pedestrian-automobile accident commercial real estate Chicago corporate attorney slip and fall accidents contracts Chicago traffic lawyer trust payments Rolling Meadows insurance attorney suspended license Illinois insurance lawyer Arlington Heights personal injury attorney liability claims digital information Palatine employment lawyer Barrington real estate lawyer BAIID severance agreements traffic laws Arlington Heights pedestrian accidents living trust vs will Barrington employment attorney Deer Park motorcycle accident lawyer Deer Park accident attorney living trust benefits Rolling Meadows probate lawyer insurance denial appeals Buffalo Grove medical malpractice lawyers Illinois Wage Payment and Collection Act Illinois jet ski accident lawyer insurance denials Illinois small business Long Grove real estate attorney Forcible Entry Illinois pedestrian accident attorney Inverness estate planning lawyer Chicago estate planning dog bites appealing an insurance claim loopholes Palatine corporate attorney Kenilworth estate planning attorneys Inverness elder law lawyer Chicago employment attorney Barrington criminal lawyer wills denied insurance claim Palatine traffic lawyer School Visitation Rights Act Rolling Meadows marijuana attorney Crystal Lake car accident lawyer Illinois real estate Illinois pet lawyer Arlington Heights personal injury lawyer Rolling Meadows traffic attorney cell phone tower data Deer Park criminal attorney Illinois medical malpractice lawyers workplace sexual harassment business litigation Palatine corporate law attorneys Arlington Heights Attorney insurance agent negligence Schaumburg car accident attorney Crystal Lake employment attorney TBI child safety Whistleblower Claims overtime pay Illinois mortgages Crystal Lake bike accident lawyer Illinois living will Illinois construction accident attorney estate tax Illinois insurance claim dispute lawyer Illinois lawyer car crash injuries employee discrimination institutional trustee Crystal Lake employment lawyer insurance dispute attorney Illinois bicycle safety probate process texting and driving Barrington employment law firm Buffalo Grove corporate attorney BUI car accident medical malpractice compensation liability POA CAM personal injury law firm Buffalo Grove real estate attorney surgical mistakes Illinois traffic attorneys Palatine criminal defense lawyer life insurance lawyer probate claims process independent contractor insurance agents hiring employees DGAA employment law Illinois workers compensation lawyer Schaumburg elder law lawyer insurance attorney Des Plaines accident attorney liens pedestrian accidents condo association Barrington personal injury lawyer Schaumburg construction accident lawyer Mount Prospect real estate lawyer Illinois traffic laws Des Plaines drug crimes lawyer commercial leasing preventing accidents preventable medical errors Rolling Meadows real estate attorney internet Crystal Lake civil litigation lawyer Palatine construction attorney field sobriety test minimum wage Inverness personal injury attorney FMLA Home Sale Contingencies underage DUI wrongful termination new real estate form underinsured motorist Deer Park personal injury lawyer Crystal Lake car accident attorney personal injury claim Palatine employment law lawyer Palatine real estate lawyer pay when paid contract controlled substance PTSD eluding a police officer trucking accident lawyers estate planning federal crimes back injuries employee misclassification Crystal Lake pet attorney construction accidents comp time Des Plaines medical malpractice attorney breathalyzer test Deer Park workers compensation lawyer Chicago will attorney, social media platforms, Illinois estate planning lawyer, breach of contract power of attorney corporate law Mount Prospect wills and trusts lawyers defective products Des Plaines real estate lawyer creditors Illinois insurance dispute lawyers bad faith insurance claims Illinois employment laws Schaumburg personal injury attorney Palatine civil litigation lawyer Food and Drug Administration's Food Safety Modernization Act loss of consortium underfunded trust unpaid assessment Barrington attorney workers compensation rent to own real estate contracts guardianship attorney small business Schaumburg employment law attorneys Employment Discrimination Law Arlington Heights traffic attorney estate plan Arlington Heights criminal lawyer Chicago car accident lawyer first degree murder Arlington Heights medical malpractice lawyer wrongful death Illinois elder law attorney Illinois insurance attorney employment contract DUI Super Mario sole proprietorship DUI defense employee rights civil litigation attorney paid sick leave medical marijuana IRA benefits owner responsibility attorney fees life insurance policy financial advisors Chicago employment lawyer Illinois employment law employment attorney Schaumburg traffic lawyer distracted driving accidents Arlington Heights trucking lawyer rest breaks wills and trusts Des Plaines real estate attorney Inverness real estate attorney civil litigation real estate lawyer motorcycle accident no contest clauses Barrington drug crime attorney Des Plaines personal injury lawyers probate claims Rolling Meadows DUI lawyer truck collisions Rolling Meadows criminal lawyer Arlington Heights TBI attorney defective products lawyer Arlington Heights lawyer job lawyers operating agreements rollover accidents Illinois employment law attorneys federal regulations for LLCs Rolling Meadows personal injury lawyers Barrington workers compensation attorney Arlington Heights insurance attorney tax attorney fiduciary rule DNR Illinois medical malpractice claim Palatine law firm Des Plaines drug lawyer Policy Cancellation Inverness traffic law firm Buffalo Grove car accident lawyer Colin H. Gilbert insurance claim delay natural gas explosion Illinois trucking safety Illinois personal injury lawyers life insurance claims traffic violations meal breaks insurance claim dispute attorney Crystal Lake will lawyer employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys pizza emoji commercial leases Do Not Resuscitate Inverness corporate attorney manufacturing Schaumburg wrongful death attorney Illinois corporate lawyer trustee privacy laws Schaumburg employment attorney trench injuries Rolling Meadows car accident lawyers Illinois Smoke Detector Act license suspension living trust real estate contract Rolling Meadows tax attorney Des Plaines personal injury lawyer Barrington medical malpractice lawyers Illinois personal injury attorney traffic offenses cell phone spinal cord injuries Illinois home inspection Inverness real estate lawyer anesthesia errors Rolling Meadows insurance dispute lawyers, insurance dispute Rolling Meadows estate planning attorney Thanksgiving Illinois job attorney Illinois injury lawyer Illinois probate lawyer personal injury car accident lawyers Illinois Sales Representative Act slip and fall Illinois medical malpractice case residential real estate BAC Affordable Care Act in terrorem provision Illinois DUI attorney Buffalo Grove personal injury attorney probate lawyer Chicago trucking accident attorney Schaumburg estate attorney Illinois employment lawyer Des Plaines Liquor Control Act estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, Long Grove estate planning Deer Park DUI lawyer Schaumburg corporate attorney Buffalo Grove injury lawyer Arlington Heights estate planning attorney marijuana crimes attorney Des Plaines injury law firm Barrington boating accident attorney premises liability probate fees advance healthcare directive Illinois tax attorney blended families spinal cord injury insurance claim denial Colin Gilbert Illinois employment law firm vacation home fines low-ball insurance settlement Arlington Heights tax lawyer landlord tenant law insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Illinois LLC creation Illinois employee rights attorney. Palatine estate planning lawyer Self-Directed IRA Accounts Palatine employment attorney personal injury accidents Illinois attorney distracted driving accident victims Arlington Heights employment law attorneys Illinois real estate lawyer rumble strips Illinois insurance disputes landlord Rolling Meadows drug defense attorney Inverness injury lawyer Illinois Workers’ Compensation Commission Schaumburg personal injury lawyers marijuana Crystal Lake traffic lawyer employees Illinois boating accident lawyer murder defense hands free device insurance negligence Des Plaines collections attorney Illinois personal injury lawyer car collision Crystal Lake medical malpractice law firm traffic deaths Schaumburg real estate lawyer Des Plaines pet law attorney Rolling Meadows traffic law firm dram shop law Crystal Lake medical malpractice lawyer gift taxes Family Medical Leave Act Rolling Meadows Crystal Lake insurance lawyer estate planning trusts jet ski accidents caregiver Illinois traffic attorney healthcare Chicago insurance law firm dealing with problem employees Arlington Heights injury attorney personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys LLCs bicycle dooring accidents Deer Park medical malpractice attorney Palatine drug lawyer coronavirus sexual harassment Exclusions murder charges Buffalo Grove insurance claim dispute lawyers Deer Park employment law attorney Riverwoods estate planning lawyer products liability employment law, Illinois employment laws digital media accounts, estate planning, Arlington Heights estate planning attorney,