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 Funds held by an insurer may also generate interest until they are withdrawn.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.

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.

Unpaid Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

In recent years, it has become more difficult for policyholders to get paid after submitting a claim to their insurance company. In fact, research done by the Los Angeles Times shows that the amount of money that insurance companies failed to pay on claims more than doubled in the past decade to $372 million.

This increase comes, in part, from insurance companies using aggressive tactics to avoid paying money to deserving people. These tactics include denying payment or cancelling coverage after people make claims, confusing customers until they give up trying to collect on their policies, and delaying payment on valid claims. For many consumers, the best option to protect their rights in the face of these insurance actions is to seek out an attorney experienced in handling unfair insurance claim denials.

Insurance Company Tactics        

One of the most common tricks that insurance companies use to avoid paying for valid claims involves denying their validity, or canceling coverage after the policyholder makes a claim. Insurers often do this by claiming that the policyholder failed to inform them of some piece of information, even if that information had no effect on the reason for filing the claim in the first place. Some companies dealing in health insurance go so far as to examine the medical records of claimants in an attempt to dig up some pre-existing conditions that they can use to cancel the coverage or deny the claim. There have even been cases of insurance companies revoking coverage based on conditions that the company never asked about, or that doctors never diagnosed.

Insurance companies also actively attempt to confuse customers about the extent of their coverage in order to escape paying on claims. The companies’ best tool for this is often their contract. Insurance companies write their contracts with an eye towards keeping them difficult to understand, that way they can fool customers into believing that their policy covers more than it actually does until they file a claim.

Another strategy insurers use involves simply delaying payment of the claim until they give up, or in some cases even pass away. Insurers have many tools to prolong the process of trying to collect on a claim. Some tricks amount to nothing more than a bureaucratic runaround, like sending the wrong paperwork for the policyholder to fill out, but others are more aggressive--like simply waiting to mail the payment until the beneficiary complains. Some insurers delay payments so severely that customers resorted to lawsuits just to get the money the company owed them.

Legal Help for Unpaid Insurance Claims in Illinois

If you have questions about an insurance dispute, contact an Illinois insurance attorney today. Call 847-934-6000 to speak with a member of our team. We work with residents in many communities on these issues, including Chicago, Crystal Lake, Schaumburg, Des Plaines, and more.

Recent Posts


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