DGAA bLAWg

The Duties and Responsibilities Associated with a Power of Attorney

Web Admin - Thursday, October 16, 2014

power of attorney rights and responsibilitiesIllness, injury, or age can often render a person unable to take proper care of their finances and their property. As a solution to this issue, Illinois law allows people to set up a power of attorney for property. This is a legal document that lets a person, the principal, designate a trusted agent to handle the principal's property with the principal's best interests in mind. This document gives the agent a variety of legal powers over the principal's money and property, but it also comes with legal duties that the principal must fulfill. Agents need to be aware of both of these things to properly complete their jobs without bringing liability onto themselves.

The Powers Granted

The powers granted to an agent under a power of attorney vary depending on the principal's wishes, but in 2011 Illinois created a general form with 15 default powers that a principal can bestow upon an agent. These powers include:

-The authority to buy or sell real estate on behalf of the principal;

-The authority to deal with banks and safe deposit boxes for the principal;

-The authority to represent the principal in insurance transactions; and

-The authority to buy and sell stocks and bonds for the principal.

The form also includes extra sections to place limitations on these powers or to add extras. For instance, the principal can allow the agent to buy and sell stocks and bonds, but also forbid them from selling a particular stock. Similarly, the power to give gifts on the principal's behalf is not included in the default form, but a principal could add it if they so chose.

The Duties of the Agent

Importantly, by taking on these powers, the agent enters into a “fiduciary” relationship with the principal, meaning that they have a duty to act in the principal's best interests. In addition to that general duty, the law also imposes other, more specific duties on the agent. For instance, the agent is required to act in accordance with any estate plans that the principal has put in place to the extent possible. Agents also have a duty to keep good financial records of any “receipts, disbursements, and significant actions conducted for the principal.” The law also forbids agents from taking certain actions. These forbidden actions include commingling the principal's funds with their own, taking loans from the principal, and exceeding the authority granted by the power of attorney.

Powers of attorney are complex legal documents, and managing them incorrectly can open the agent up to legal liability. If you are considering a power of attorney, contact an Arlington Heights estate planning attorney serving the northwest suburbs to better understand your duties as well as other potential estate planning options. We assist clients throughout Inverness, Palatine, Schaumburg, Long Grove, Kenilworth, Riverwoods, and the rest of the Chicagoland area.

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.

Estate Planning in the Digital Age

Web Admin - Wednesday, May 21, 2014

digital assets estate planningFrom bankbooks to Facebook, more and more activities, both business and pleasure, are being conducted over the internet every day. A study from McAfee reports that in 2011 the average American had almost $55,000 in digital assets. These assets can present unique challenges during the estate planning process. They need to be passed on or wound up just like physical assets, but each online service has its own rules on handling accounts after death.  

What Digital Assets Are

Digital assets can be many different things, and it is important to have a clear understanding of the different types since they can require very different treatment after death. Digital assets include:

  • - Files on your home computer like pictures, word documents, and spreadsheets;
  • - Digital books and music like iTunes and Kindle books;
  • - Social networking accounts like Facebook and Twitter;
  • - Online gaming accounts and valuable in-game assets;
  • - Websites or domain names you own; and
  • - eCommerce information like bank accounts, Paypal, and eBay.

Choosing how to handle each of these assets can require some careful thought because they will each likely need a different form of treatment. For instance, Paypal accounts can probably simply be closed out after withdrawing the funds, but some people would prefer to see their Facebook page memorialized rather than simply closed.

Handling Digital Assets

From a legal standpoint, handling digital assets may be a challenge because the problem is somewhat new. This means that the law has yet to catch up to the technology in many ways. Instead, much of the legal landscape is determined by the individual service itself based on the “Terms of Service” that they have each user agree to. However, there are still precautions that you can take in order to better empower your loved ones to carry out your wishes.

The first thing to do is to create a digital inventory. This is a list of all your digital assets, where to find them, and the usernames and passwords necessary to access them. This inventory should also include instructions to the executor of your estate detailing what you would like them to do with each of the assets.

Then you should make sure that your legal documents include provisions for the management of your digital assets. This means designating an executor to handle your digital estate. This can be the same person as the executor for the rest of your will, but it does not have to be. If the executor for most of your estate lacks computer skills it could be prudent to name someone else to deal with digital assets. While this executor may still have trouble carrying out all your wishes if the website’s Terms of Service will not allow it, arming them with a digital inventory and a legal document can certainly improve their chances.

If you would like to make an estate plan or if you want to update your plan to account for digital assets, contact an Illinois estate planning attorney today. Our skilled team assists clients across the northwest suburbs, including in Inverness, Kenilworth, and Riverwoods.

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.

The Dynasty Trust: A New Method of Creating an Inheritance

Web Admin - Thursday, March 20, 2014

illinois trusts estate planning attorneyDynasty trusts are a new type of trust that can be used to minimize the burden of certain taxes that the government levies on inheritance by holding the inheritance in a trust for many generations. These trusts have become more popular in recent years as states have begun to relax or abolish a legal doctrine known as the rule against perpetuities. The rule is a complex legal doctrine that limited the length of trusts and other legal instruments to only lasting a certain period of time, usually about two or three generations, depending on a variety of factors. Now that the rule is being relaxed, it has made dynasty trusts a more viable option.

What is a Dynasty Trust?

Simply put, a dynasty trust is a trust that holds assets from which future generations will benefit. This has important tax consequences because assets placed into a dynasty trust are subject to the federal estate/gift tax only once. This means that the assets can flow down to further generations without future estate taxes. For instance, if a person left $10,000,000 to their child without using a trust, this would exceed the gift/estate tax exemption, so it would be subject to the tax. Then, if that inheritance appreciated in value and the child passed it on to a grandchild, it would be subject to another round of taxes. If, instead of simply passing the money down in the first place, the person had placed it into a dynasty trust, then the original $10,000,000 would be taxed at that point, but it the appreciated amount would not be subject to another estate tax when it went to the grandchild.

Another benefit of the dynasty trust is that it can help reduce the effects of the generation skipping transfer tax (GST). The GST exists because people used to leave money directly to their grandchildren in an effort to avoid the double estate tax of the previous example. The GST can take as much as 55 percent of the money passed down to grandchildren in excess of $1,000,000. If the dynasty trust is created using that $1,000,000 dollar exemption, then it can sizably reduce the burden of transfer taxes on future generations.

This means that the dynasty trust can be a very useful estate planning tool for people with large families, or those who have enough assets that the estate tax and GST are serious concerns. Additionally, dynasty trusts are also useful for people who would like to have some say as to how their money is spent after their deaths because dynasty trusts can sometimes be used to control such things.

If you believe that your estate planning could benefit from the use of a dynasty trust, contact a Long Grove estate planning attorney today. Our firm helps handle tax planning issues for clients across the northwest suburbs, including towns like Riverwoods, Barrington, and Kenilworth.

About the Author: Attorney Jay Andrew is 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.


Recent Posts


Tags

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

Archive