What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

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

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

Understanding a Lawsuit

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

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

Your Part in the Process

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

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

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

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

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

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

Types of Insurance Agent Negligence

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

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

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

The Statute of Limitations

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

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

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

Unpaid Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

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

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

Insurance Company Tactics        

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

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

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

Legal Help for Unpaid Insurance Claims in Illinois

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

Recent Posts


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