The Illinois Transfer on Death Instrument: What is It, and Why Do You Need It?

Web Admin - Monday, July 24, 2017

Arlington Heights wills and trusts attorneysOne of the more frustrating aspects of estate planning is the risk of probate. In fact, most estate owners will do anything they can to prevent it from happening. They know that it can lower the estate’s overall value, and they would prefer that those assets go to their beneficiaries. If one of the items they want to transfer upon death is real estate, owners can opt for the Illinois Transfer on Death Instrument (TODI). What is this estate planning document, and when should you use it? The following information explains, and it provides details on how to determine if it may be appropriate for your estate planning needs.

What is the Transfer on Death Instrument?

Covered under the Illinois Residential Real Property Transfer Act, TODI documents lets owners transfer real estate property to their beneficiaries upon death, without the risk of probate. It does this through a non-testamentary transfer. Able to be used by single and joint owners, these documents have many of the same requirements as will drafting (owner must be of sound mind and not under duress, document must be prepared by the owner or an attorney, etc.), but they do not necessarily replace a will for owners with expansive estates.

Meeting the Validity Requirements

A Transfer on Death Instrument may be signed either by a single owner, or jointly. Keep in mind that it does not have to be signed by all owners, but it does not remove joint tenancy if another owner has not signed it. A TODI must also comply with all deed requirements, and it must state that the property transfers upon the owner’s death (or owners’, if joint signed). Further, the document must be recorded in the county or counties in which the property is located. Should the owner ever want to revoke the TODI, they are permitted to do so. However, if the TODI is joint signed, both parties must revoke the transfer to be considered a valid revocation.

Should You Use One?

There are many complexities and nuances in estate planning, and any one of them could determine whether a TODI is right for your situation. As such, it is highly recommended that estate owners seek legal assistance with their estate planning needs. Contact Drost, Gilbert, Andrew & Apicella, LLC. Skilled and experienced, we can help you find the creative solution that is most suitable for your needs. Schedule a personalized consultation with our Arlington Heights wills and trusts lawyers to learn more. Call 847-934-6000 today.

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.


IRAs and a Living Trust – What Every Grantor Should Know

Web Admin - Thursday, July 13, 2017

Mount Prospect wills and trusts lawyersAfter years, perhaps even decades of pouring money into your individual retirement account (IRA), it only makes sense to ensure it goes to the appropriate party if you do not live long enough to receive all the payments. Unfortunately, transferring an IRA to a living trust can be far more complex than most people realize. The following information can help you better understand how to avoid such consequences. You shall also learn where to find assistance with the process.

The Complicated Nature of IRA Accounts

Created under the Employment Retirement Income Security Act (ERISA) in 1974, IRAs were originally meant to provide employers with a way to offer affordable retirement benefits to their employees (at that time, most did not have the funds to cover a traditional pension plan). Now they are one of the most common types of retirement plans, and they can even be purchased by individuals with qualifying income and credentials.

Unfortunately, there are many rules, exclusions, limitations, and legalities involved with an IRA account – especially when it comes to the transfer or disbursement of the account. For example, IRAs can only be “owned” by the individual that started it. It cannot be transferred to a trust nor can it be owned by a business or other entity. Still, there are ways to transfer an IRA upon death. It just requires some thoughtful planning.

Transferring an IRA to a Living Trust

While one could simply name a beneficiary for their IRA account, some plan owners prefer the increased accountability of a trust. For example, if the grantor has a special needs child with their ex-wife, they may want to ensure that the funds are used to benefit the child directly. Just keep in mind that disbursement to a trust before the age of 59.5 is considered an early disbursement, which may result in an early payout penalty. As such, it is recommended that you speak with an experienced wills and trusts lawyer before naming a trust or changing the beneficiary on your IRA account. An attorney can also help ensure the right verbiage is used in your estate plan (i.e. “pass through,” “designated beneficiary,” etc.) to reduce the risk of any transfer issues.

Contact Our Mount Prospect Wills and Trusts Lawyers

Known for our creative solutions and personalized touch, the experienced Mount Prospect wills and trusts lawyers at Drost, Gilbert, Andrew & Apicella, LLC can assist you with your estate planning needs. Get started by scheduling a consultation. Call our offices at 847-934-6000 today.

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.

Sources: https://www.forbes.com/sites/deborahljacobs/2014/09/04/iras-and-trusts-what-you-need-to-know/#4fe760a2172b

Self-Directed IRA Accounts

Web Admin - Tuesday, June 14, 2016

self-directed IRA accounts, Illinois Estate Planning Attorneys

Often times, as real estate and estate planning attorneys, our clients ask us about owning or purchasing property through a self-directed IRA account. Here is a brief synopsis of how a self-directed IRA works.

Self-Directed Individual Retirement Accounts (IRA) are like traditional IRAs in that they are designed to allow investments to grow tax free or tax deferred over time. However, self-directed IRAs allow people to make alternative investments. The variety of investment options that are available for a self-directed IRA exceed the investment options of traditional IRA accounts.

How Do I Set Up A Self-Directed IRA Account? 

There are several steps involved in setting up a self-directed IRA account. 

1. The account must be established and funded. Like any IRA, you must sign up for the account with an investment firm or broker. The IRS requires that self-directed IRAs be held by a trustee on behalf of the IRA owner. Once you have signed up with a trustee or custodian, you will need to fund the account with initial capital so that you can make investments with your self-directed IRA account. The self-directed IRA account can be funded with new capital or a transfer from an existing IRA account. 

2. Choose an investment opportunity. You may choose what investment opportunity you would like your self-directed IRA funds to go into. There are many different types of assets that self directed IRAs can be used to invest in, yet there are also certain assets that specifically cannot be invested in by using a self-directed IRA. 

3. Request that the funds be made available from your self-directed IRA to make the investment purchase. Working with your self-directed IRA custodian or trustee, you can request that your self-directed IRA funds be made available to purchase your desired asset. The trustee or custodian will manage the transaction for you. 

4. Manage your self directed IRA investments. Again, by working with your self-directed IRA trustee or custodian, you can manage or sell your self-directed IRA investments. All transactions must be run through your self-directed IRA in order to remain in compliance with the IRS regulations. 

What Can I Own in My Self-Directed IRA Account? 

Self-directed IRAs can include investment options such as: 

- Stocks; 

- Bonds; 

- CDs; 

- Mutual funds; 

- Promissory notes; 

- Real estate; 

- Private mortgages; 

- Tax liens; 

- Precious metals; 

- Private businesses; and 

- Intellectual property. 

There are also several types of assets into which investment is not permitted with a self-directed IRA. Under IRS Code 408(m), prohibited investments include investment in collectibles such as stamps, art, gems, certain types of metals and coins, alcoholic beverages, and certain other tangible personal property. 

If you feel that a self-directed IRA may be helpful with your purchase of investment property or your estate plan, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our firm serves the communities of Crystal Lake, Riverwoods, Kenilworth, South Barrington, Mount Prospect, Palatine, Des Plaines, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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.


Why Do I Need a Living Trust? Won't My Simple Will Work Just the Same?

Web Admin - Friday, May 20, 2016

Why I Need a Living Trust, Illinois Estate Planning Attorneys When people begin the process of estate planning, they often have several questions about what course of action would be in their best interest, or in the best interests of their surviving family members and loved ones. One frequently asked question asks what the difference is between a simple will and a living trust. 

Is one option a better choice than the other? 

The answer really depends on your particular situation. However, for most typical family situations, a good choice is to use a living trust to transfer your property upon your death. 

When you prepare a will as your sole means of transferring your property upon your death, your will must go through the probate court, which can be complicated and your surviving family members could end up fighting over your will once you are gone. However, using a revocable living trust, which you can prepare while you are still alive, can help your family avoid probate after you pass on. Individuals who are looking to exercise more control over their property may find that a living trust is a useful estate planning tool. One of the estate planning attorneys at our firm can help you prepare a declaration of trust at your convenience.

Five Advantages to Using a Living Trust Over a Will

Below are examples of the advantages of using a living trust over a will. 

1. Property transferred through a living trust will not go through probate. Probate is a long, tedious, and costly process before the probate court where the validity of the will is demonstrated, all debts held by the decedent are paid off, and then the remaining property is distributed to the family members. The more complicated the decedent’s estate is upon his or her death, the more complicated and drawn out probate can be. 

2. Out-of-state property transferred through a living trust can avoid ancillary probate. When property is located out of state, instead of having to go through probate in each state, a living trust can allow for the property of out-of-state property without ancillary, or out-of-state probate. 

3. Getting the opportunity to manage your property during your lifetime. By being the settlor of your own living trust, you retain control over the trust until you decide that you want to hand over the reigns or you die. 

4. Living trusts remain confidential, wills are not. Since probate is a legal proceeding, if your will goes through probate, your will becomes part of the probate court records, which are made available for public inspection.  

5. The successor trustee is able to take over once the principal is disabled which is a huge advantage. The “seamless” transition of control over the trust and the trust corpus upon the disability of the grantor is a huge advantage of the trust over the will.

Getting Legal Help with Living Trusts

If you think that a living trust might be the best estate planning tool for you, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our law firm serves the communities of Crystal Lake, Palatine, Des Plaines, Mount Prospect, Long Grove, Kenilworth, Riverwoods, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team.

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.


2016 Changes to the Illinois Power of Attorney Act

Web Admin - Monday, March 14, 2016

Illinois Power of Attorney Act, Illinois Estate Planning Attorneys The Illinois Power of Attorney Act saw a handful of small, but important changes as of January 1, 2016. These changes help make the health care power of attorney short form easier to use, and gives principals (i.e., the person who executes the power of attorney) more control over what their agents can have access to during their life and after. If you are interested in preparing and executing a health care power of attorney, you can contact an estate planning lawyer today for professional assistance throughout each step of the process. 

What Changes Have Occurred to the Health Care POA Form?

Several significant changes to the Illinois Power of Attorney Act concerning health care power of attorneys include:

- The Option to Allow an Agent Access to the Principal’s Medical Records. The health care power of attorney short form has been updated and now includes a checkbox option that indicates that an agent is authorized, as of the date of the execution of the form, to have access to the medical records of the principal. Access to the principal’s medical records allows the agent to make well informed decisions about the principal’s health care.

- Decisional Capacity Has Been Defined. The changes to the Act and the power of attorney short form adopts the definition of “decisional capacity” from the Illinois Health Care Surrogate Act. “Decisional capacity” is the ability to understand and appreciate the nature and consequences of a decision that is being made concerning medical treatment or choosing to forego life-sustaining care and having the ability to reach and communicate an informed decision on the matter as determined by the attending physician. The change to the Illinois Power of Attorney Act places the attending physician into a position to make judgement calls regarding whether a principal has decisional capacity. 

- The Agent Can Pursue Applications for Government Benefits After the Death of the Principal. When a health care agent files for government benefits on behalf of the principal, but the principal dies and no administrator or executor was appointed for the principal’s estate, under the changes to the Illinois Power of Attorney Act, the health care agent can continue to pursue those government benefit applications. As a general rule, a power of attorney terminates with the death of the principal. However, the changes in the Power of Attorney Act now allow for this government benefits application exception. 

- Who Can Be a Witness for a Health Care Power of Attorney Has Been Updated. When a principal signs a power of attorney, another individual must also sign the power of attorney as a witness to the principal’s signature. The Illinois Power of Attorney Act is very specific as to which licensed professionals are not permitted to be a witness, which excludes the principal’s attending physician, physician assistant, advanced practice nurse, podiatric physician, dentist, optometrist, or mental health service provider. “Mental health service provider” has been changed to “psychologist,” as of January 1. 

If you would like assistance preparing and executing a health care power of attorney, or have any other estate planning needs, please feel free to contact one of our experienced Illinois estate planning attorneys today. Drost, Gilbert, Andrew & Apicella, LLC serves the communities of Crystal Lake, Palatine, Des Plaines, Inverness, Palatine, Schaumburg Riverwoods, Kenilworth, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team.

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.



When Can a Trustee Be Held Personally Liable for Acts Done While Acting As a Trustee?

Web Admin - Tuesday, February 23, 2016

trustee held personally liable, Illinois Trust AttorneysAs a trustee, you are responsible for managing the trust and working with the beneficiaries. You have a fiduciary duty, or a legal obligation, to act solely in the interest of the beneficiaries by fulfilling the instructions of the trust as the trustor has required. A trustee must be respectful and careful, loyal, and impartial when serving as the trustee, and cannot take advantage of his or her trusted position to self-deal or glean benefits for him or herself from the trust. Developing a full understanding of what the legal obligations are as a trustee can be confusing, especially if you have limited legal experience dealing with trusts. An experienced estate planning and trusts lawyer at can assist you. 

A Breach of Fiduciary Duty Opens Trustees Up To Personal Liability

Trustees can be held personally liable for acts, or failures to act, as a trustee when the trustee does not carefully and diligently adhere to the trustee’s duties. When a trustee commits a breach of his or her fiduciary duty, the trustee opens him or herself up to liability for his or her actions taken while acting as the trustee. Examples where a trustee can be held personally liable for acts done while acting as a trustee include the following:

- A trustee may be held personally liable if there is a conflict of interest biasing the trustee’s judgment when it comes to the interests of the trust. Self-dealing, or making decisions or investments using the trust’s funds that in some way benefit the trustee either directly or indirectly will expose the trustee to liability;

- A trustee can be held personally liable for any interest and/or penalties that accrue for taxes filings that are made late. Liability exists because filing the appropriate tax forms on behalf of the trust is a responsibility that lies with the trustee. 

- A trustee could be held financially liable for losses on stock diversifications on behalf of the trust, or a failure to diversify, if losses are substantial. The trustee has an obligation to serve in the best interests of the trust beneficiaries, and failing to diversify when stocks are concentrated in a single company can lead to a significant loss in value of the trust. 

- A trustee can be held liable for commingling personal finances and the trust finances, especially in situations where the trustee is a family member to the beneficiaries. A trustee can avoid the appearance of impropriety by maintaining clear and thorough accounting records of the finances of the trust, and clear documentation regarding his or her personal finances. 

Speak with an Illinois Estate Planning Lawyer Today

If you have concerns that your trustee is in breach of his or her fiduciary duties, or if you are a trustee with concerns about a course of action for the trust you manage, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our firm serves the communities of Inverness, Palatine, Schaumburg, Arlington Heights, Long Grove, Kenilworth, Riverwoods, Barrington, South Barrington, and Mount Prospect.

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.

Source: http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2129&ChapterID=61

Do Not Resuscitate Orders: What You Need to Know

Web Admin - Thursday, May 29, 2014

illinois dnr estate planning attorneyAdvances in medical science and technology have made it possible to revive patients after their heart or lungs have stopped working, often known as heroic measures. One of the most common ways of doing this is via simple mouth to mouth resuscitation or chest compressions. Doctors may also use an electric shock to restart the heart, or they may insert a breathing tube down a person’s throat to open the airway. Additionally, drugs like epinephrine may help restart a person’s heart in the event that it stops. The availability of technologies like these though has led to the proliferation of Do Not Resuscitate orders (“DNR”).

What Is a DNR?

A DNR is a type of “advance healthcare directive.” These are documents that people fill out prior to serious illness or injury that affect the type of care a person will receive. The DNR is a specific advance directive that instructs doctors not to perform heroic measures to resuscitate the person.

DNRs apply only to the narrow issue of resuscitation, so it is important not to confuse it with the two other common types of advance directives: living wills and healthcare powers of attorney. Living wills are a different type of advance directive that have broader applications. Living wills allow a person to record their feelings on a variety of life sustaining treatments like the use of feeding tubes and respirators.

Healthcare powers of attorney transfer the authority to make healthcare decisions to another person in the event that they are unable to make healthcare decisions for themselves. Ordinarily, this document will matter most in situations where a person’s condition is not serious enough to implicate the instructions in a living will, but when they are unable to speak.  

DNR orders are important medical documents that can have profound consequences on a person’s quality of life. Therefore, people should understand the different considerations that can affect whether to institute a DNR.

Elements to Consider

There are two important elements someone should consider when thinking about implementing a DNR: their current quality of life and the effectiveness of resuscitation. With regard to quality of life, resuscitation is often necessary because of ongoing medical problems that may or may not ever improve. These health issues can have a serious effect on a person’s quality of life and may even remove the desire to be resuscitated in the event of death. In fact, a survey of doctors revealed that, knowing the quality of life many resuscitated patients have, 88.3 percent would choose to implement a DNR. Part of that is likely because of the second concern, the effectiveness of resuscitation.

While CPR and other measures can often bring people back to life, it is not a perfect tool. Many CPR attempts result in broken ribs, and often, even though the person survives, the experience leaves them with neurological damage. While many people choose to forego DNRs, it is a very personal decision that should only be made after understanding all of the facts involved.

If you are considering implementing a DNR or another advance directive, seek the advice of an Illinois estate planning lawyer today. Our skilled attorneys help clients make these difficult decisions in towns across the northwest suburbs including Inverness, Long Grove, 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.

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


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