DGAA bLAWg

Using a Special Needs Trust to Assist a Disabled Family Member

Web Admin - Friday, August 10, 2018
Inverness estate planning trust attorneyPeople who have saved money or accumulated assets over the course of their lifetime will often want to pass these assets on to their loved ones, either before or after their death. This is especially true when family members have disabilities or other special needs. However, when providing financial assistance to these family members, it is important to make sure that doing so will not make them ineligible for the public benefits they need to meet their needs. An experienced estate planning attorney can help you protect your loved ones’ interests by establishing a special needs trust.

Benefits of a Special Needs Trust

People with mental or physical disabilities are usually able to receive government benefits such as Supplemental Security Income (SSI) or Medicaid. However, eligibility for these benefits is based on the income earned and assets owned by the recipient; in most cases, a recipient must own no more than $2,000 in assets, and there are also limits on the amount of income they can earn. This means that if a well-meaning family member gives them money or other assets, either through a direct gift or an inheritance, it may make them ineligible for the benefits they need. 

To avoid jeopardizing a disabled person’s ability to receive public benefits, their family members can use a special needs trust (sometimes called a supplemental needs trust). This is a type of irrevocable trust in which the assets will be placed under the control of a trustee, which could be another family member or a financial institution. The trustee will then ensure that the assets are used to provide for the beneficiary’s needs.

There are specific rules that must be followed in special needs trusts. For instance, the trust can only be used to pay for certain expenses related to the beneficiary’s care, such as the costs of medical equipment, caretakers, transportation, or educational expenses. Using funds from a trust to pay for food or housing may make a beneficiary ineligible for public aid. 

Contact a Schaumburg Trust Attorney

Since a disabled person will often need assistance throughout their entire life, it is important to ensure that trusts are set up in a way that will provide them with the resources they need for many years to come. An Arlington Heights estate planning lawyer at Drost, Gilbert, Andrew & Apicella, LLC can help you create a special needs trust that meets your loved one’s needs, and we can help you address any other estate planning needs, ensuring that you can provide for your family both before and after your death. Contact us at 847-934-6000 to arrange a personalized consultation.

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.investopedia.com/terms/s/special-needs-trust.asp
https://money.usnews.com/money/personal-finance/articles/2015/11/04/how-to-draw-up-a-special-needs-trust-for-a-child-with-disabilities
https://www.cnbc.com/2017/10/25/how-to-set-up-a-special-needs-trust.html

Two Important Benefits Provided By a Living Trust

Web Admin - Tuesday, August 07, 2018
Arlington Heights trust lawyerThe thought of planning for what should happen after one’s death is often too morbid for many people to want to consider. However, doing so is incredibly important, since you want to be sure that your wishes will be followed correctly and that your heirs will be able to receive the assets you plan to pass on to them with minimal complications. While you may think that the estate planning process begins and ends with the creation of a last will and testament, another tool that can be very powerful is a living trust. 

Trusts allow you to protect certain assets, placing them in the control of a trustee and passing them to your beneficiaries once certain requirements are met. With a living trust, you can serve as the trustee while you are still living and mentally competent, giving you control over your assets and allowing you to revoke or change the terms of the trust to meet your and your family’s needs. There are a number of benefits to using a living trust, but two of the primary advantages are:

1. Avoiding Probate

When a person dies, the executor of their estate will enter their will into probate court, which is a process that can be lengthy and expensive as the court reviews the will and approves the paying of debts and taxes and the passing of assets to beneficiaries. The will is entered into public court records, meaning that the family’s personal business is available to be viewed by anyone who wants to examine the court documents. 

A trust, on the other hand, does not have to go through the probate process. This will allow assets to be passed to beneficiaries much more quickly and with fewer complications, and it will also ensure that the details about the estate are kept private.

2. Planning for Illness or Incapacitation

In many cases, when a person becomes ill or incapacitated or is no longer able to manage their own affairs, a friend or family member is named as their legal guardian. Guardianship will often not only give a guardian control of a person’s health and personal care, but also their financial affairs. This type of situation is not ideal, but a living trust can help you avoid losing control of your finances by addressing how things should be handled if you are incapacitated. 

Your trust can specify what conditions should exist for you to be declared incapacitated or mentally incompetent, and it can name a successor trustee who will manage the trust in this situation. The trustee can ensure that you have the financial resources you need to provide for your own care, while preserving your assets to pass on to your beneficiaries after your death.

Contact a Palatine Estate Planning Attorney

If you want to know more about how to use a living trust to protect your assets and pass them to your heirs, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can answer your questions and work with you to create a comprehensive estate plan. Contact a Schaumburg living trust lawyer today at 847-934-6000 to schedule a personalized consultation.

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.thebalance.com/the-benefits-of-a-revocable-living-trust-vs-a-will-3505405
https://www.thebalance.com/pros-and-cons-of-revocable-living-trusts-3505384

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




Trust Payments and the Capital Gains Tax

Web Admin - Wednesday, August 27, 2014

capital gains tax in IllinoisThe capital gains tax exists as a way for the government to tax the income that flows to investors from certain investments. In general, the capital gains tax applies to the sale of most assets other than inventory. This includes the sale of things like stocks, bonds, and real estate. The current capital gains tax rates vary depending on a person's income bracket. According to the IRS, the capital gains tax for people in the 25 percent, 28, percent, 33 percent, and 35 percent income tax brackets would be 15 percent.

People paying taxes in the highest bracket, 39.6 percent, would pay 20 percent in capital gains tax, and people in the other, lower tax brackets do not pay capital gains tax at all for most capital gains income. Additionally, the Affordable Care Act also introduced a further 3.8 percent tax on capital gains income for people earning either $200,000 a year as single filers, or $250,000 a year as married filers, which went into effect at the start of 2013.

This capital gains tax can interact with trusts in complex ways, and trustees should be aware of the issues created by the capital gains tax and trusts. First, trustees should be aware of how capital gains affects the way that they manage K-1 tax forms. Second, trustees should keep in mind the interaction between capital gains and the income distribution tax deduction that trusts are allowed to take.

K-1 Forms

K-1 forms are a type of tax form that exists to help the owners of pass through entities fill out their personal income tax returns. Pass through entities are entities like S corporations and some LLCs that do not pay taxes themselves, but instead pass the taxes on to the owners. Trusts, strictly speaking, are not actually pass through entities since the trust is responsible for paying some taxes, but the beneficiaries may also owe taxes based on distributions to them from the trust, so they often receive a K-1 form. As far as the need to report capital gains income on a K-1 form, that depends on the specifics of the trust. As a default rule, the capital gains and losses stay with the trust itself, but the trust instrument may choose to pass those along to the beneficiaries, which would result in the trustee needing to add them to the K-1 form.

Capital Gains and the Income Distribution Deduction

Capital gains may also have an effect on the trust's income distribution deduction, a tax deduction that trusts may take for amounts paid to an income beneficiary. The income distribution deduction is equal to the lesser of either (1) the distributions minus tax-exempt income or (2) the “distributable net income” minus tax exempt income. Capital gains may affect this distribution because it figures into the calculation of distributable net income under several circumstances, most commonly if the trust requires the trustee to distribute the gains to the beneficiaries.

Managing a trust is a complex task from both a legal and financial perspective. If you have questions, seek help from an experienced Illinois estate planning attorney. Our firm's skilled lawyers serve clients in many northwest suburban towns such as Inverness, Barrington, and Kenilworth.

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.

5 Benefits to Using an Institutional Trustee

Web Admin - Tuesday, April 08, 2014

illinois trusts and estate planning attorneyTrusts are versatile, useful legal instruments that allow the grantor (the person who sets up the trust) to set aside certain money or other assets for the use of another person (the beneficiary). However, the beneficiary does not have direct access to the assets. Instead, the trust is managed by a trustee whose job it is to control the assets and use them in the beneficiary’s best interest. This makes choosing the trustee one of the most important parts of setting up a trust.

Although most individuals can serve as a trustee, Illinois law also allows for the use of an “institutional trustee.” Institutional trustees are companies, often banks, who professionally manage the trust’s assets. These companies usually do charge a fee for the services, but the companies come with several benefits:

  • - They are skilled at managing trusts;
  • - They have the ability to handle complex paperwork and recordkeeping;
  • - They provide continuity to the management of the trust;
  • - They operate free of bias; and
  • - They are regulated to prevent fraud.

Reasons to Use an Institutional Trustee

  1. 1. Experienced Administrators: Institutional trustees have experience managing trusts. This allows them to easily navigate the legal requirements for trustees. Furthermore, many trustees are responsible for investing the trust’s assets. Banks and other institutional trustees are often professional investors who will be able to handle the task better than friends or family.

  1. 2. Strong Recordkeeping: Trusts also have fairly extensive recordkeeping requirements to prevent fraud on the part of the trustee. Institutional trustees have the infrastructure in place to make sure that important documents, like tax returns, are filed on time and do not get misplaced. Furthermore, the use of an institutional trustee prevents this complex work from being pushed onto a friend or family member.

  1. 3. Management Continuity: The corporate nature of institutional trustees also allows for continuity in the trust’s management. Trusts can last for decades and decades. An individual trustee may not be physically or mentally capable of managing a trust for its entire duration. Conversely, institutional trustees have the ability to smoothly transfer trust administration from one employee to the next, allowing for steady management of the assets.

  1. 4. Unbiased Distribution: Additionally, institutional trustees can eliminate the possibility of bias that might exist with trustees who are friends or family. The company would not have any prior history with particular beneficiaries that might interfere with the fair and evenhanded use of the trust’s assets.

  1. 5. Fraud Protection: Finally, institutional trustees have fraud prevention mechanisms in place. Although everyone would like to think that their friends or family members are above reproach, cases of theft on the part of the trustee do happen. Many institutional trustees are subject to government regulation and auditing requirements that can reduce the risk of fraud on their parts.

If you are interested in setting up a trust, consult with an Illinois estate planning lawyer to tailor one to your specific situation. Our attorneys lend their experience to clients across the northwest suburban area, including in Long Grove, Riverwoods, and Kenilworth.

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.

Five Advantages of Living Trusts Over Wills

Web Admin - Friday, January 03, 2014

By Jay Andrew
JAA@DGAALAW.COM / (847) 934-6000
http://www.dgaalaw.com/jay-andrew.html

When preparing for the disposition of their property after they pass on, many people often find themselves questioning what wills and living trusts are and which document would better suit their needs. Wills, governed by the Probate Act of 1975, are legal documents that a person prepares prior to their death, which specifies how the rest of the family should distribute their property and handle the other affairs. Living trusts, which are controlled by the Trusts and Trustees Act, are legal devices that allow a person of the creator’s choosing, the trustee, to handle the disposition of their property. While everyone’s situation comes with unique considerations, living trusts may provide various advantages over wills. Five of the most important advantages include:

1. Living trusts can help your family avoid dealing with long, draw-out probate proceedings. Courts use probate proceedings to tie up a person’s loose ends, distribute their property, and generally enact their will. If you use a living trust, rather than moving through the court system, the trustee can distribute the property in accordance with the trust. This means that your family will not need to bring themselves to the courthouse and deal with the fees and hassle that come along with probate proceedings.

2. Living trusts also provide more privacy than wills do. While both wills and living trusts remain private throughout your life, the probate court will look at the will after you pass on, even if there are no formal probate proceedings. That means that the will becomes a matter of public record. On the other hand, your relatives will not need to file the trust with the court, so it can stay between them.

3. Living trusts also stand a better chance of surviving a legal challenge after your death, making it more likely that your final plans will be enacted to your specifications. The extra strength from a living trust comes from your ability to keep an active eye on it during your life. Because you would stay involved with the trust’s management during your life, relatives would find it harder to prove that you were not of sound mind when making the plan.

4. Living trusts make leaving property to minor children simpler too. Because minors cannot own most property, the trustee whom you choose can manage it for them, whereas a court appointee would likely handle the management if you chose to pass the property on with a will.

5. Living trusts have further benefits in the event that you become incapacitated while alive. Ordinarily, such circumstances would require relatives to petition the court for control of your affairs, and then the court would appoint a person to manage them. With a living trust, you can appoint a successor trustee to take over management in the event that you become incapacitated.

Decisions about testamentary dispositions can be complicated and involve multiple areas of law. If you are in the process of making such decisions, contact a Palatine estate planning lawyer today. We serve many areas in the northwest suburbs including Arlington Heights, Crystal Lake and Barrington.


Recent Posts


Tags

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

Archive