DGAA bLAWg

Potential Reasons for the Denial of a Life Insurance Claim

Web Admin - Monday, May 14, 2018
Deer Park life insurance claim attorneyWhile few people like to think about death, the fact remains that everyone will die at some point, and many people make plans for this eventuality and ensure that their loved ones will be provided for after their death. A life insurance policy can offer peace of mind in this regard, providing the promise that one’s family members will receive benefits after their death. However, it is important to be aware that insurance companies may deny life insurance claims for a variety of reasons, including:

- Unpaid premiums - If a person fails to pay the premiums on their policy, the policy may lapse, and the insurance company may terminate the policy and deny any claims. However, insurance companies are required to send notice to a policyholder and provide a 30 day grace period before canceling a policy.

- Type of death - Some policies include exclusions for deaths that occur in certain situations. For instance, many policies exclude suicides from coverage for a certain period of time, and policies may also contain exclusions for a death which occurred as an act of war or when a person was participating in high-risk activities such as skydiving or mountain climbing. A claim may also be denied if someone died while participating in criminal activity.

- Health issues - Life insurance policies often contain a period of contestability, which is usually the first two years after the policy was initiated. If a person is found to have certain health issues, such as high blood pressure, after dying within the contestability period, the insurance company may deny the claim.

- Living outside the U.S. - Many policies only provide coverage if a policyholder is living in the United States at the time of their death.


The primary reason claims are denied is because of material misstatements made by a policyholder on their life insurance application. These types of statements may include incorrect or omitted information about a person’s health, including any chronic conditions, unhealthy habits (such as smoking), or other medical issues. To avoid the denial of a claim, it is important to be truthful on an application and provide complete answers to all medical questions.

Contact a Buffalo Grove Life Insurance Attorney

When your family has a life insurance policy, you expect to be able to receive the benefits from this policy in the event of a family member’s death. If your claim has been denied, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your rights and work to ensure that you receive the benefits you deserve. Schedule a personalized consultation with an Arlington Heights insurance dispute lawyer today by calling 847-934-6000. 

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.



Sources:
https://www.nerdwallet.com/blog/insurance/life-insurance-policy-reject-claim/
https://www.truebluelifeinsurance.com/7-ways-life-insurance-will-not-pay-out/
https://www.protective.com/learning-center/life-101/important-facts/3-reasons-why-your-life-insurance-claim-could-be-denied/

What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

insurance lawsuit, Palatine insurance lawyerPeople purchase insurance with the goal of protecting themselves in the event that something unfortunate happens. However, no matter how hard people try to understand their policies and the limitations on them, many people face situations where they feel that the insurance company should be compensating them, but the company refuses. When this happens, people have a variety of options.

First, they can enter into an internal appeals process. Most insurance companies have a function that allows other employees of the company to review refusals and determine if they were warranted. If that fails, then the Illinois Department of Insurance also investigates some insurance-related issues. Alternatively, people with issues that neither of those strategies can solve may need to sue their insurance company if they want to see the compensation that they have already paid for. It is important for people to understand the process of a lawsuit and the length of time that it may take. Insurance companies are expert litigators, and they may drag the process out.

Understanding a Lawsuit

The beginning part of the process for filing a lawsuit against your insurance company involves hiring a lawyer and filing a complaint against them. The complaint is a legal document that triggers a lawsuit, and lays out the general allegations against the insurance company. Once this happens, the insurance company is allowed to respond with a document called an answer. The answer takes each fact asserted by the complaint and either confirms or denies them, so that both parties understand what is in dispute. Once this happens your lawyer and the insurance company lawyers will engage in discovery.

Discovery is a legal process in which both sides ask the other side questions to better understand the facts. This is mainly done through requests for documents, written questions called interrogatories that the other side has to answer, and depositions, which are in-person interviews. The majority of lawsuits end at some point during this phase. As more information comes out, both sides begin to understand their chances of winning at trial, and they likely reach a settlement. In the event that there is no settlement, the case moves to trial where both sides' attorneys present their arguments to the judge, who eventually makes the final legal decision.

Your Part in the Process

Not every step in that process will require the client's involvement. Initial interviews will need to be done for the attorney to get a picture of the case, and there will also be periodic conferences as new facts appear or the case moves forward. The most intensive piece that the client will need to do is prepare for a deposition in case the insurance company wants to depose them. This may require working with the client's attorney to better understand the types of questions that they company may ask, so that the deposition goes smoothly.

If you are currently having an issue with an insurance company and would like to file a lawsuit against them, contact a dedicated Illinois insurance dispute attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, we represent clients in many northwest suburban towns including Inverness, Palatine, and Schaumburg.

About 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.

How to Handle a Denied Insurance Claim in Illinois

Web Admin - Tuesday, May 13, 2014

illinois denied insurance attorneyPeople purchase insurance coverage to protect themselves when something goes wrong. Depending on the type of insurance, claims can be paid out for health issues, auto accidents, home repairs, or deaths in the family, among other things. These are already stressful events. A denied insurance claim merely serves to add more stress and difficulty to an already trying situation. The reasons for such a denial can be varied and depend on the type of insurance in question, but in these situations consumers have options available to them to contest the insurance denial.

Reasons for a Denial

The reasons for an insurance company to deny a claim on a policy vary greatly between different types of insurance. For instance, a company providing a life insurance policy may reject a policy claim based on a belief that the person’s death was actually a suicide, or a company providing health insurance could reject a claim made for a specific treatment by arguing that the treatment was not actually medically necessary. However, there are also some grounds for a denial that span across the insurance industry. One of the most common is a “material misrepresentation,” which means that the company believes that the policyholder lied or withheld important information during the application for a policy.

Exactly what qualifies as a material misrepresentation changes from industry to industry. Health or life insurance companies would argue that hiding a prior medical condition may be a material misrepresentation, while an auto insurance company would be more concerned with a past accident. Furthermore, any of these reasons could just be a pretext for a “bad faith” denial, which means that the insurance company privately believes that the policyholder has a valid claim, and simply does not want to part with its money.

Contesting a Denial

Policyholders facing a denied claim do have options available to them. The process will likely begin with the insurance company’s internal appeals process. This may involve letter writing, phone calls, or in-person interviews where the policyholder explains their position. It can be advantageous to consult a lawyer at this point for two reasons.

First, the insurance company may have lawyers involved at this stage, so it evens the playing field. Second, if the issue does proceed to a lawsuit, the lawyer will already know the case’s history and they may be able to prevent early missteps that would cause problems in litigation, which would be the next step if the internal appeals fail. The one exception to this is in the case of health insurance. Illinois recently passed a law allowing policyholders to apply for an independent external review in the case of a denied health insurance claim.

If you are dealing with a denied insurance claim, you do not need to do it alone. Reach out to a skilled Schaumburg insurance dispute attorney today. Our team represents clients across the northwest suburbs, including in towns such as Crystal Lake, Arlington Heights, and Buffalo Grove, Illinois.

About 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.

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

About 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.

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

About 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.

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
kca@dgaalaw.com
(847) 934-6000

A recent probe of insurance companies conducted by New York State’s Department of Financial Services revealed that, nationwide, insurance companies failed to pay an estimated $1.1 billion in life insurance to beneficiaries. The issue stems, in part, from a lack of communication between policyholders and beneficiaries. If the policyholder never informed the beneficiary that they took out a life insurance policy, the beneficiary would not know to file a claim. This causes problems because insurance companies rely on beneficiaries to report when someone dies in order to claim their benefits.

At least, that used to be the case. Following this probe and similar investigations across the country, including in Illinois, insurers are starting to follow a different set of rules. For instance, in New York, Governor Cuomo signed a law that requires insurers to make routine searches of a death database in order to determine if any new deaths matched policyholders, so that they could start the process of finding that person’s beneficiary.

The Governor introduced this law in order to put to rest the apparently common practice of using such databases to track the deaths of people to whom the insurance company owes monthly checks, without using those same databases to track the deaths of policyholders.

The investigation also prompted more stringent enforcement of rules requiring insurers to turn unpaid benefits over to the state in some circumstances. Many states run unclaimed property departments. These departments hold on to the property, and then it becomes the beneficiary’s burden to track it down. Fortunately, with some careful planning, policyholders and beneficiaries can avoid problems like this.

The easiest way to make sure your loved ones do not have to spend time tracking down an insurance policy is with communication. If you take a life insurance policy out on yourself, tell the beneficiary. While some people can find it unpleasant to discuss or difficult to go into the details of how much they chose to purchase, you do not need to do that. It does not have to be a long, drawn-out conversation. Even just letting them know that you took out a policy, as well as which insurance company they should talk to if necessary, can be helpful.

If you have found yourself involved in an insurance dispute, contact a Palatine insurance attorney today. Call 847-934-6000 to speak to a member of our team. We serve many northwest areas including Rolling Meadows, Chicago, Crystal Lake, Inverness, and other nearby communities.


Recent Posts


Tags

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

Archive