DGAA bLAWg

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.

Exclusions

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


Tags

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

Archive