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


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