Changes to the Illinois Health Care Power of Attorney

Web Admin - Friday, January 23, 2015

healthcare power of attorney in Illinois, Palatine estate planning attorneysHealth care powers of attorney are some of the most serious estate planning decisions that people will have to make throughout the course of their lives. Most estate planning decisions relate to structuring assets and ensuring that children and relatives are properly cared for. Health care powers of attorney are different. They are legal documents that allow people to determine how they want their loved ones to make health care decisions on their behalf in the case that they are unable to themselves. These sorts of documents are regulated by the state, and the Illinois legislature recently updated the law that governs health care powers of attorney used in the state, adding new notice requirements and changing the calculus for end of life decision making.

New Notice Requirements

One of the biggest changes that the update made was a complete revision of the notice that precedes the actual health care power of attorney form. The new form breaks the notice provision down into nine headings that have questions beneath them. These headings include:

  • - What Are the Things I Want My Health Care Agent to Know?
  • - What Kind of Decisions Can My Agent Make?
  • - Whom Should I Choose to Be My Health Care Agent?
  • - What If My Agent Is Not Available or Not Willing to Make Health Care Decisions for Me?
  • - Will Happen If I Do Not Choose a Health Care Agent?
  • - What If There Is No One Available Whom I Trust to Be My Agent?
  • - What Do I Do With This Form Once I Complete It?
  • - What If I Change My Mind?
  • - What If I Do Not Want to Use This Form?

Each of these sections include questions and answers that allow the power of attorney form to be filled out in different blocks.

Changes to End of Life Decision-Making

The law also made some important changes in the way that it frames end-of-life decisions. The biggest change in this manner is the fact that the new power of attorney form now distinguishes quality of life from quantity of life. Essentially the new form provides a check box for people to decide whether it is more important for them to have a life they can live fully or whether they would be willing to extend their lives for a hope at making a recovery. The goal of this new distinction is to help people better express what sorts of values their health care should be trying to accomplish.

Estate planning is a complex field that covers everything from health care decisions to future tax liabilities. If you have questions about this new health care power of attorney or some other aspect of estate planning, contact an Illinois estate planning lawyer today. The law firm of Drost, Gilbert, Andrew & Apicella, LLC serves clients in many northwest suburban locations, such as Long Grove, Riverwoods, Palatine, Arlington Heights, and Barrington.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Avoiding Life Insurance Loopholes

Web Admin - Tuesday, November 25, 2014

life insurance loopholes, Illinois life insurance lawyerThe insurance industry is known for having incredibly complex contracts, and life insurance is no exception to this rule. As you might expect, the reason for this is money. According to statistics from the Insurance Information Institute, life insurance is a multi-billion dollar industry, and the companies want to keep it that way. 

One of the ways that life insurance companies do this is by fighting against paying valid claims. Money they do not have to pay out is money that they can ultimately keep for themselves, and even just delaying the payments can be profitable for them. Life insurance companies have two main tools for insurance claim disputes, policy cancellations and policy exclusions.

Policy Cancellation

A policy cancellation is exactly what it sounds like. The insurance company cancels a claimant's policy in order to avoid paying out a claim. This is a particular problem during the first two years of the policy's life, which is known as the contestability period. During this period, the insurance company may examine the policy looking for misrepresentations or omissions, and then cancel the policy if they find any. They even have the option of doing this after a person has already made a claim, and they are allowed to cancel regardless of whether the omitted information has anything to do with the actual cause of death.

A similar issue, but one that can last beyond the contestability period, is the material misrepresentation clause. This clause allows the insurer to cancel the policy at any time if they discover a lie or omission that would have caused them to not issue the policy in the first place. However, even people with perfectly accurate applications are not safe from having their claims contested.


In cases where the person's application cannot be contested, insurance companies may still attempt to avoid paying out for claims based on policy exclusions. These exclusions are specific events or actions that the insurance company has excepted from the policy. There are a variety of different policy exclusions that insurers may use, and they vary from policy to policy, but they may include:

- Dangerous activities like skydiving;
- Suicide;
- Alcohol and drug use; and
- Illegal activities.

The exact limits of these exclusions can depend on the precise policy language. For instance, some policies’ exclusions for alcohol and drug use exclude only illegal substances, while others exclude legal ones too. This can be especially complicated because some policies require the substance to be the cause of the death, while others only need the substance to be in the person's system at the time of death.

Life insurance contracts are complicated legal documents, and the insurance company is going to have a lawyer on their side. If you want to even the odds, contact a Palatine life insurance attorney today. Our firm assists people in insurance disputes all over the northwest suburbs, including in towns like Inverness, Deer Park, Barrington, Arlington Heights, Schaumburg, Des Plaines, Rolling Meadows, Crystal Lake, and Buffalo Grove.

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

Homestead Rights in Illinois

Web Admin - Thursday, October 23, 2014

homestead rights in Illinois, Palatine estate planning lawyerWhile there are many well known government programs and policies designed to provide relief during difficult economic times, there are other laws people can take advantage of that are less commonly talked about. One of these laws is known as “homestead rights.” Homestead rights are a protection provided by Illinois law that provide certain immunities from debt collection efforts by creditors. However, these immunities are not absolute, so it is important for people exercising their homestead rights to understand the exact limitations of those rights.

What Homestead Rights Are

Homestead rights are a statutory protection against creditors designed to help people avoid becoming homeless because of changing economic circumstances. The rights allow the debtor to exempt $15,000 worth of real estate from the collection efforts of creditors or their agents. Additionally, if a married couple owns the home, then they can pool their homestead rights together to protect the same house. This gives them an exemption of $30,000. This exemption also survives the death or desertion of a spouse. The exemption can also be passed down to the children of the married couple, at least until the youngest child turns 18.

Illinois' homestead laws are also slightly different than the laws in some other states. Many states choose to restrict the amount of acreage that a person can use the homestead exemption on in addition to capping the total value of the property. Illinois has no such acreage cap. This means that the size of the property is irrelevant to the homestead rights, and that it is purely an issue of how much the land is worth.

What Homestead Rights Do Not Protect

Notably, homestead rights do not provide absolute protection against every type of creditor. For instance, the state legislature wrote an exception into the protection for the purposes of state taxes, so if the creditor is the state of Illinois then the exemption does not apply. Similarly, homestead rights are created by state law, which federal law can supersede, so they provide no protection against the federal government's collecting taxes either. The rights also do not function in many circumstances where the money owed is related to the property itself. A person who uses the house as collateral for a mortgage does not get protection if their home is being foreclosed. Additionally, if the person owes money to contractors for doing work on the home, then the homestead rights do not apply to those debts. Further, the homestead rights can be signed away in writing, which would also remove their protection.

If you have questions about your homestead rights or some other property interest, talk to an experienced Palatine, Illinois estate planning attorney today. Our firm helps clients in many northwest suburban towns including Barrington, Long Grove, and Arlington Heights.

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.

Do Not Resuscitate Orders: What You Need to Know

Web Admin - Thursday, May 29, 2014

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

What Is a DNR?

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

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

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

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

Elements to Consider

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

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

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

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

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.

Recent Posts


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