When to Call an Attorney to Solve a Life Insurance Dispute

Web Admin - Wednesday, October 17, 2018
Des Plaines life insurance claim lawyerFollowing a death in the family, you could easily find yourself facing a stack of bills and insufficient income to cover them. This can happen even if you have been a careful money manager. If a life insurance payout does not come quickly enough, you could experience severe financial stress on top of everything else. But how do you know when you need the intervention of a lawyer to help you collect on a life insurance policy? Here are a few warning signs to watch out for:

Has it been more than 30 days since you submitted your claim?

Following a death, you must contact the life insurance company and open a claim. Then, you must submit the death certificate and any other documentation and signatures required by the insurance company. When you have completed the claims process, the company should deliver payment to you within a few weeks. If you have contacted the insurance company several times and still have not received payment after 30 to 60 days, and you have not received a clear explanation for the delay, you may need an attorney’s help to cut through the red tape and put some pressure on the company to approve your claim.

Did you buy the life insurance policy less than two years ago?

Life insurance policies typically include a “contestability” clause that allows for policy cancellation and claims denial if, within two years of issuance, the insurer discovers that any material fact was not disclosed during the application process. If the insured dies within two years of obtaining the insurance policy, their original application and other documentation may be carefully examined to see if there were any “material misstatements or omissions.”
For example, if the insured person failed to disclose any medical conditions (e.g., a serious illness such as diabetes, high blood pressure, or depression) or habits (e.g., use of drugs, alcohol, or tobacco), this could lead to a denial of your claim.

The insurance company could spend months evaluating medical records, credit reports, motor vehicle reports, and so on, looking for evidence of a material misrepresentation and a reason to deny your claim. If the two-year contestability period is a factor in your claim, you may need an attorney to speak to the insurance company and convince them that your claim is valid.

Did the insurance company send you a letter of denial?

A life insurance claim may be denied for reasons such as “non-accidental death” or because the policy was rescinded. In many cases, a skillful insurance attorney can help get that denial reversed by conducting an independent investigation of the facts of your case and making a forceful argument to the insurance company.

Consult a Des Plaines Life Insurance Dispute Resolution Attorney 

If you are having problems collecting on a life insurance policy, the intervention of a knowledgeable Palatine life insurance lawyer can help. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC will slice through whatever obstacles are standing between you and your insurance payout as quickly as possible. Contact us at 847-934-6000. We serve clients throughout the northwest suburbs, including Arlington Heights, Buffalo Grove, Crystal Lake, Barrington, and Schaumburg.

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.


Potential Reasons for the Denial of a Life Insurance Claim

Web Admin - Monday, May 14, 2018
Deer Park life insurance claim attorneyWhile few people like to think about death, the fact remains that everyone will die at some point, and many people make plans for this eventuality and ensure that their loved ones will be provided for after their death. A life insurance policy can offer peace of mind in this regard, providing the promise that one’s family members will receive benefits after their death. However, it is important to be aware that insurance companies may deny life insurance claims for a variety of reasons, including:

- Unpaid premiums - If a person fails to pay the premiums on their policy, the policy may lapse, and the insurance company may terminate the policy and deny any claims. However, insurance companies are required to send notice to a policyholder and provide a 30 day grace period before canceling a policy.

- Type of death - Some policies include exclusions for deaths that occur in certain situations. For instance, many policies exclude suicides from coverage for a certain period of time, and policies may also contain exclusions for a death which occurred as an act of war or when a person was participating in high-risk activities such as skydiving or mountain climbing. A claim may also be denied if someone died while participating in criminal activity.

- Health issues - Life insurance policies often contain a period of contestability, which is usually the first two years after the policy was initiated. If a person is found to have certain health issues, such as high blood pressure, after dying within the contestability period, the insurance company may deny the claim.

- Living outside the U.S. - Many policies only provide coverage if a policyholder is living in the United States at the time of their death.

The primary reason claims are denied is because of material misstatements made by a policyholder on their life insurance application. These types of statements may include incorrect or omitted information about a person’s health, including any chronic conditions, unhealthy habits (such as smoking), or other medical issues. To avoid the denial of a claim, it is important to be truthful on an application and provide complete answers to all medical questions.

Contact a Buffalo Grove Life Insurance Attorney

When your family has a life insurance policy, you expect to be able to receive the benefits from this policy in the event of a family member’s death. If your claim has been denied, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your rights and work to ensure that you receive the benefits you deserve. Schedule a personalized consultation with an Arlington Heights insurance dispute lawyer today by calling 847-934-6000. 

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


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