Important Considerations When Drafting Your Will

Web Admin - Thursday, April 23, 2015

drafting your will in Illinois, Palatine estate planning lawyerThe passing away of Chicago Cubs’ legend Ernie Banks was a sad day for baseball fans everywhere. Unfortunately, his death sparked a controversy within his own family after his longtime caretaker claimed that he had executed a will. Recently, a court upheld the validity of the will. Here, we focus on some of the reasons why this occurred and the steps all individuals should take to best protect their will from a challenge.

Banks’ Will

Following the death of Banks, his widow claimed that he did not have a will. However, his caretaker came forward and claimed that Banks had created and signed a will three months prior to his death. The will gave all of his assets to the caretaker. Banks’ widow argued that he was not of sound mind and that the caretaker coerced him into executing the will. In order to prove the validity of the will, two paralegals testified that they witnessed Banks sign it. Further, the paralegals testified that Banks appeared fine and even mentioned during the notarization that he was not leaving anything to his family. The court ruled that the will was valid, though an appeal is likely.

Executing Valid Wills

A person who executes a will is known as the testator. For a will to be valid under Illinois law, it must be in writing and signed by the testator. Further, the signing of the will must be witnessed by two people and it must be notarized. Additionally, the testator must be of “sound mind and memory” at the time the will is created and signed. At the signing, a testator may want to document that he or she has the mental capacity to execute the will. This may include obtaining the opinion of a doctor that establishes the testator’s capacity.

It is important for the testator to state clearly his or her wishes as to the disposition of the property. The testator may want to include his or her reasoning for the way in which their assets will be distributed. In the case of Banks’ will, he affirmatively stated he was leaving all of his assets with his caretaker. Further, he included a statement that he intentionally was leaving nothing to his family. This was an important provision because it made clear that an omission had not occurred. In other words, it signaled that Banks had not simply forgotten about his family.

Many people find it difficult to discuss end of life situations. However, this can be helpful in ensuring that there will not be any challenges to a testator’s will after the testator dies. Speaking with the people included, and those excluded who may have an expectation to be included, in the will can help make sure there are no surprises when the testator dies. If Banks had disclosed to his widow the existence of his will and they had had a discussion regarding it and the reasons he was not leaving her anything, her challenge would have been even less likely to succeed.

If you would like more information or help creating your will, you should speak with an experienced Illinois estate planning attorney. Drost, Gilbert, Andrew & Apicella, LLC proudly represents clients throughout the northwest suburbs, including Inverness, Palatine, and Long Grove.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Changes to the Illinois Health Care Power of Attorney

Web Admin - Friday, January 23, 2015

healthcare power of attorney in Illinois, Palatine estate planning attorneysHealth care powers of attorney are some of the most serious estate planning decisions that people will have to make throughout the course of their lives. Most estate planning decisions relate to structuring assets and ensuring that children and relatives are properly cared for. Health care powers of attorney are different. They are legal documents that allow people to determine how they want their loved ones to make health care decisions on their behalf in the case that they are unable to themselves. These sorts of documents are regulated by the state, and the Illinois legislature recently updated the law that governs health care powers of attorney used in the state, adding new notice requirements and changing the calculus for end of life decision making.

New Notice Requirements

One of the biggest changes that the update made was a complete revision of the notice that precedes the actual health care power of attorney form. The new form breaks the notice provision down into nine headings that have questions beneath them. These headings include:

  • - What Are the Things I Want My Health Care Agent to Know?
  • - What Kind of Decisions Can My Agent Make?
  • - Whom Should I Choose to Be My Health Care Agent?
  • - What If My Agent Is Not Available or Not Willing to Make Health Care Decisions for Me?
  • - Will Happen If I Do Not Choose a Health Care Agent?
  • - What If There Is No One Available Whom I Trust to Be My Agent?
  • - What Do I Do With This Form Once I Complete It?
  • - What If I Change My Mind?
  • - What If I Do Not Want to Use This Form?

Each of these sections include questions and answers that allow the power of attorney form to be filled out in different blocks.

Changes to End of Life Decision-Making

The law also made some important changes in the way that it frames end-of-life decisions. The biggest change in this manner is the fact that the new power of attorney form now distinguishes quality of life from quantity of life. Essentially the new form provides a check box for people to decide whether it is more important for them to have a life they can live fully or whether they would be willing to extend their lives for a hope at making a recovery. The goal of this new distinction is to help people better express what sorts of values their health care should be trying to accomplish.

Estate planning is a complex field that covers everything from health care decisions to future tax liabilities. If you have questions about this new health care power of attorney or some other aspect of estate planning, contact an Illinois estate planning lawyer today. The law firm of Drost, Gilbert, Andrew & Apicella, LLC serves clients in many northwest suburban locations, such as Long Grove, Riverwoods, Palatine, Arlington Heights, and Barrington.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

'Tis the Season... for Gift Taxes

Web Admin - Tuesday, December 16, 2014

Illinois gift tax, Arlington Heights estate planning attorneyOnce again, it is that time of year, the time when families get together to exchange gifts, and spend quality time together. During this season, people do not ordinarily consider their taxes. After all, the middle of winter is almost as far away from April 15th as someone can get. Nevertheless, the gifts people give during this time of year can have a long-term impact on their tax situation thanks to the gift tax. Gift giving during a person's life is often a good way for someone to avoid estate taxes, so careful planning around this time of year can leave someone's family in a much better financial position.

What Gift Givers Should Know

Gift givers are the ones most on the hook for understanding the tax law when dealing with gifts. The most important thing for gift givers to understand is the fact that they are working under two separate but related gift giving limits. The first limit is known as the annual gift tax exclusion. This is the amount per year that any gift giver may give to any single person. The IRS has set that exclusion at $14,000 for both 2014 and 2015. If a person goes over that limit, then he or she must file a gift tax return. However, this does not necessarily mean that he or she must pay any taxes on the gift.

Filing a gift tax return triggers the second limit that gift givers are working under, the lifetime exemption. The lifetime exemption is the total amount of money that gift givers are allowed to give away over their yearly exemption before they start to owe taxes. The current lifetime exemption is $5.34 million. This means that if a person gives away $20,000 to a single person in a single year, then he or she must subtract $6,000 from his or her lifetime exemption. This is especially important because the lifetime exemption never resets and applies to estate taxes as well. For example, if a person gives away enough during his or her lifetime that he or she has used up $2.34 million of his or her lifetime exemption, then only the first $3 million of his or her estate's distributions are tax free. The rest may be subject to a tax rate of up to 40 percent.

What Receivers Should Know

Gift receivers have a much simpler set of rules to work under. Ordinarily, the gift giver pays the gift tax, and the receiver does not have to worry. If the person giving the gift does not pay the tax, then the IRS may come after the receiver, but usually people giving money in excess of the annual exclusion can also cover the gift tax. Additionally, people receiving five or six figure sums from foreign sources may also have to report that.

Tax day may come but once a year, but tax planning is a year round problem. If you have questions about how best to manage your estate, contact an Arlington Heights estate planning attorney today. The law firm of Drost, Gilbert, Andrew & Apicella, LLC serves clients in many northwest suburbs including Palatine, Schaumburg, Barrington, Inverness, Mount Prospect, Long Grove, Kenilworth, Riverwood, and South Barrington.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Homestead Rights in Illinois

Web Admin - Thursday, October 23, 2014

homestead rights in Illinois, Palatine estate planning lawyerWhile there are many well known government programs and policies designed to provide relief during difficult economic times, there are other laws people can take advantage of that are less commonly talked about. One of these laws is known as “homestead rights.” Homestead rights are a protection provided by Illinois law that provide certain immunities from debt collection efforts by creditors. However, these immunities are not absolute, so it is important for people exercising their homestead rights to understand the exact limitations of those rights.

What Homestead Rights Are

Homestead rights are a statutory protection against creditors designed to help people avoid becoming homeless because of changing economic circumstances. The rights allow the debtor to exempt $15,000 worth of real estate from the collection efforts of creditors or their agents. Additionally, if a married couple owns the home, then they can pool their homestead rights together to protect the same house. This gives them an exemption of $30,000. This exemption also survives the death or desertion of a spouse. The exemption can also be passed down to the children of the married couple, at least until the youngest child turns 18.

Illinois' homestead laws are also slightly different than the laws in some other states. Many states choose to restrict the amount of acreage that a person can use the homestead exemption on in addition to capping the total value of the property. Illinois has no such acreage cap. This means that the size of the property is irrelevant to the homestead rights, and that it is purely an issue of how much the land is worth.

What Homestead Rights Do Not Protect

Notably, homestead rights do not provide absolute protection against every type of creditor. For instance, the state legislature wrote an exception into the protection for the purposes of state taxes, so if the creditor is the state of Illinois then the exemption does not apply. Similarly, homestead rights are created by state law, which federal law can supersede, so they provide no protection against the federal government's collecting taxes either. The rights also do not function in many circumstances where the money owed is related to the property itself. A person who uses the house as collateral for a mortgage does not get protection if their home is being foreclosed. Additionally, if the person owes money to contractors for doing work on the home, then the homestead rights do not apply to those debts. Further, the homestead rights can be signed away in writing, which would also remove their protection.

If you have questions about your homestead rights or some other property interest, talk to an experienced Palatine, Illinois estate planning attorney today. Our firm helps clients in many northwest suburban towns including Barrington, Long Grove, and Arlington Heights.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

The Duties and Responsibilities Associated with a Power of Attorney

Web Admin - Thursday, October 16, 2014

power of attorney rights and responsibilitiesIllness, injury, or age can often render a person unable to take proper care of their finances and their property. As a solution to this issue, Illinois law allows people to set up a power of attorney for property. This is a legal document that lets a person, the principal, designate a trusted agent to handle the principal's property with the principal's best interests in mind. This document gives the agent a variety of legal powers over the principal's money and property, but it also comes with legal duties that the principal must fulfill. Agents need to be aware of both of these things to properly complete their jobs without bringing liability onto themselves.

The Powers Granted

The powers granted to an agent under a power of attorney vary depending on the principal's wishes, but in 2011 Illinois created a general form with 15 default powers that a principal can bestow upon an agent. These powers include:

-The authority to buy or sell real estate on behalf of the principal;

-The authority to deal with banks and safe deposit boxes for the principal;

-The authority to represent the principal in insurance transactions; and

-The authority to buy and sell stocks and bonds for the principal.

The form also includes extra sections to place limitations on these powers or to add extras. For instance, the principal can allow the agent to buy and sell stocks and bonds, but also forbid them from selling a particular stock. Similarly, the power to give gifts on the principal's behalf is not included in the default form, but a principal could add it if they so chose.

The Duties of the Agent

Importantly, by taking on these powers, the agent enters into a “fiduciary” relationship with the principal, meaning that they have a duty to act in the principal's best interests. In addition to that general duty, the law also imposes other, more specific duties on the agent. For instance, the agent is required to act in accordance with any estate plans that the principal has put in place to the extent possible. Agents also have a duty to keep good financial records of any “receipts, disbursements, and significant actions conducted for the principal.” The law also forbids agents from taking certain actions. These forbidden actions include commingling the principal's funds with their own, taking loans from the principal, and exceeding the authority granted by the power of attorney.

Powers of attorney are complex legal documents, and managing them incorrectly can open the agent up to legal liability. If you are considering a power of attorney, contact an Arlington Heights estate planning attorney serving the northwest suburbs to better understand your duties as well as other potential estate planning options. We assist clients throughout Inverness, Palatine, Schaumburg, Long Grove, Kenilworth, Riverwoods, and the rest of the Chicagoland area.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

The Dynasty Trust: A New Method of Creating an Inheritance

Web Admin - Thursday, March 20, 2014

illinois trusts estate planning attorneyDynasty trusts are a new type of trust that can be used to minimize the burden of certain taxes that the government levies on inheritance by holding the inheritance in a trust for many generations. These trusts have become more popular in recent years as states have begun to relax or abolish a legal doctrine known as the rule against perpetuities. The rule is a complex legal doctrine that limited the length of trusts and other legal instruments to only lasting a certain period of time, usually about two or three generations, depending on a variety of factors. Now that the rule is being relaxed, it has made dynasty trusts a more viable option.

What is a Dynasty Trust?

Simply put, a dynasty trust is a trust that holds assets from which future generations will benefit. This has important tax consequences because assets placed into a dynasty trust are subject to the federal estate/gift tax only once. This means that the assets can flow down to further generations without future estate taxes. For instance, if a person left $10,000,000 to their child without using a trust, this would exceed the gift/estate tax exemption, so it would be subject to the tax. Then, if that inheritance appreciated in value and the child passed it on to a grandchild, it would be subject to another round of taxes. If, instead of simply passing the money down in the first place, the person had placed it into a dynasty trust, then the original $10,000,000 would be taxed at that point, but it the appreciated amount would not be subject to another estate tax when it went to the grandchild.

Another benefit of the dynasty trust is that it can help reduce the effects of the generation skipping transfer tax (GST). The GST exists because people used to leave money directly to their grandchildren in an effort to avoid the double estate tax of the previous example. The GST can take as much as 55 percent of the money passed down to grandchildren in excess of $1,000,000. If the dynasty trust is created using that $1,000,000 dollar exemption, then it can sizably reduce the burden of transfer taxes on future generations.

This means that the dynasty trust can be a very useful estate planning tool for people with large families, or those who have enough assets that the estate tax and GST are serious concerns. Additionally, dynasty trusts are also useful for people who would like to have some say as to how their money is spent after their deaths because dynasty trusts can sometimes be used to control such things.

If you believe that your estate planning could benefit from the use of a dynasty trust, contact a Long Grove estate planning attorney today. Our firm helps handle tax planning issues for clients across the northwest suburbs, including towns like Riverwoods, Barrington, and Kenilworth.

About the Author: Attorney Jay Andrew is founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Using Virtual Representation Effectively in Illinois

Web Admin - Wednesday, November 06, 2013

When a trust is created, many different people may have an interest in how it is administered. For example, it is common for the trust documents to allow one person to benefit immediately (i.e. a spouse), with others to receive the assets upon that beneficiary’s death (i.e. the children). Those who are set to inherit later obviously have a stake in how the trust is managed. Mismanagement may affect their interests.

But what happens if those future beneficiaries are children, disabled, or otherwise unable to effectively advocate for their interests? One solution is to go to court and have a judge appoint a guardian to act in their interest. But that process often takes significant time, is costly, and may be ineffective if the future beneficiaries are unknown, like unborn children.

Reaching an Agreement

Is there a way to settle disagreements involving a trust without going to court? Fortunately, there is.

Illinois has a “virtual representation” statute which allows select individuals to represent the interests of others to craft agreements, often dealing with disputes regarding a trust. Essentially, this law allows different parties to create agreements which avoid litigation and are binding on some future beneficiaries.

When used properly, these settlement agreements can solve ambiguities in the trust document, delineate duties of the trustee, and account for many other administrative issues. As a result, these agreements can be incredibly efficient, eliminating the risk of prolonged legal battles down the road.

Many Illinois residents are well served by exploring use of virtual representation to reach a nonjudicial agreement. However, it is important to proceed cautiously, usually with the aid of an attorney. When not created properly, the agreement may not hold up. Under the law, to be valid the primary beneficiaries must all be adults and legally competent. The trustee must also be a party to the agreement. Notably, the agreement cannot change the terms of the trust. In addition, the primary beneficiary must not have a conflict of interest with those who are being bound. To qualify as a primary beneficiary the individual must currently receive income or principal from the trust. Alternatively, the individual must be eligible to receive a distribution of principal at a certain date.

Learn More

Do you want to learn more about using virtual representation effectively? These issues are quite complex, and so it is helpful to contact a Palatine estate planning attorney to make sure you are doing everything in your power to protect your long-term interests. The law office of Drost, Gilbert, Andrew & Apicella, LLC serves clients in Palatine, Arlington Heights, Crystal Lake and other suburban Chicago areas.

Estate Tax Changes: Is it Time to Revisit Your Living Trust?

Web Admin - Friday, October 11, 2013

The American Taxpayer Relief Act of 2012 (ATRA) introduced “portability” as a permanent law which has many Illinois residents asking about the need for customary trusts. Portability allows a transfer up to $5.25 million in federal tax exceptions to surviving spouses. Previously, a married couple could only make the best use of both spouses’ exception amounts by dividing asset ownership and establishing a credit shelter trust (or an A/B living trust) that initiates after one spouse is deceased. Accordingly, a married couple can pass on $10.5 million to their heirs free from federal estate taxes.

If you have an existing A/B trust plan drafted prior to the estate tax law changes it is most likely based on the Federal Estate Exemption amount, which when it was $650,000, probably worked for a “mid-sized” estate. Now that the exemption is $5.25 million, people need to revisit the funding/formula clause of their A/B trust plan so that there is money present for a surviving spouse. Using portability rules at the federal level can allow a surviving spouse to live off the estate without necessarily the need for A/B planning depending on the size of the estate.

Additionally, a deceased spouse’s estate will not be taxable if less than $5.25 million. A surviving spouse will be required to fill out an IRS Form 706. The United States Estate (and Generation-Skipping Transfer) Tax Return will allow the surviving spouse to use the deceased spouse’s tax exemption or it will be lost. This exception is not transferable, but an A/B living trust can take advantage of the exemption amounts for potential transfers to grandchildren.

Though portability simplifies federal estate planning, but not Illinois Estate Tax, the need for traditional trusts is still apparent with the use of a credit shelter trust. There is potential to lose a deceased spouse’s unused exceptions if the surviving spouse remarries. A credit shelter trust with a new spouse can be used to protect this exception before remarriage. Prior to a remarriage, a credit shelter trust may provide asset protection and secure inheritances for children of former marriages and save assets from an heir’s creditors.

Inflation can also effect an exception amount because the portability law is fixed, but again a credit shelter trust can offer a safeguard. Finally, a living trust can avoid the costs and delays of probate that can cause family grief after a family death.

Since portability is here to stay, now would be a good time to revisit your living trust to determine how the portability law effects inheritance distribution. Contact an Illinois estate planning attorney to make sure your assets are accurately dispersed as you intend.

Recent Posts


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