DGAA bLAWg

How Does Illinois Estate Tax Differ From Federal Estate Tax?

Web Admin - Tuesday, April 10, 2018
Palatine estate tax attorneyNo matter the amount of property or assets you acquire over the course of your lifetime, you will want to be sure that these assets are properly distributed to your heirs following your death. Proper estate planning is essential for making sure your wishes are carried out correctly. However, one aspect of estate planning that is often not addressed is the estate tax, which applies to the transfer of a person’s assets to their heirs after their death, and residents of Illinois should be aware that they may be responsible for a state estate tax as well as a federal estate tax.

Understanding Illinois Estate Tax

When someone dies, their estate may be subject to estate tax if the value of their assets is above a certain threshold. The Tax Cuts and Jobs Act of 2017 increased the threshold for federal estate tax from $5.49 million to $11.2 million. The exemption threshold for Illinois estate tax is currently $4 million. Any estate with a gross value that is more than this amount is subject to Illinois estate tax, with the full value of the estate being taxable.

The tax rates for the Illinois estate tax are variable, ranging from 0.8% to 16%. This tax applies not only to the value of an estate, but also to taxable gifts made during a person’s lifetime. A person may be able to reduce the value of their estate, and thus reduce their amount of estate taxes, by making non-taxable gifts of up to $14,000 per person per year.

Unlike the federal estate tax, the Illinois estate tax exemption cannot be passed to a person’s spouse after their death. However, some of the Illinois estate tax may be deferred if a spouse’s assets are placed in a qualified terminable interest property (QTIP) trust. This type of “credit shelter” trust can be used to defer the difference between the Illinois and federal estate taxes. For example, in estate tax returns filed for decedents who died in 2017, a QTIP election of up to $1.49 million may be made, and estate taxes on this amount will not apply until the death of the surviving spouse.

Contact an Arlington Heights Estate Planning Attorney

Understanding the relationship between federal and state estate taxes and determining how to manage assets in a way that minimizes tax burdens can be a complicated matter. If you want to be sure that you will be able to pass the assets you have earned throughout your lifetime to your heirs, the skilled attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you create an estate plan that meets your family’s needs. Contact our Schaumburg estate tax lawyers today at 847-934-6000 to schedule a personalized consultation.

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.



Sources:
http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=609&ChapterID=8
http://illinoisattorneygeneral.gov/publications/pdf/Instruction_FactSheet2017.pdf
https://www.thebalance.com/overview-of-illinois-estate-tax-laws-3505297

Advance Directives, Living Wills, and Healthcare Power of Attorney

Web Admin - Thursday, February 08, 2018
Schaumburg estate planning lawyer advance directivesProper estate planning is essential for every family, and the decisions made during this process will allow you to protect your personal property and financial assets and pass them on to your heirs after your death. But in addition to considering what will happen after you die, it is also a good idea to plan for how medical decisions will be handled for you if you ever become unable to make these decisions for yourself. The documents detailing your instructions in these matters are known as advance directives, and the two most common directives are living wills and healthcare power of attorney.

Living Wills


With a living will, you can inform a doctor or other healthcare provider that you do not want them to use medical procedures which will delay your death if you are diagnosed with a terminal illness. A living will only goes into effect if you have an “incurable and irreversible condition [in which] death is imminent” and you are unable to communicate your preferences to your doctor.

Illinois law provides a standard form for living wills, but you may also create your own customized document, including specific instructions about certain situations or medical procedures you do not want your doctor to perform.

Healthcare Power of Attorney

A healthcare power of attorney document allows you to name someone who is authorized to make decisions for you if you cannot make decisions for yourself. You can give this person, known as your agent, broad authority to make decisions, or you can include specific instructions about what types of decisions they can make, what treatments you do and do not want to receive, whether you would like to donate your organs after your death, and how your remains should be disposed of.

Healthcare power of attorney will go into effect as soon as the document is signed, and your agent will continue to have authority to make decisions until your death, unless you include a time limit. If you have both a living will and healthcare power of attorney, decisions about death-delaying treatments will be made by your agent, unless they are unavailable, in which case your doctors will follow the instructions in your living will.

Contact a Schaumburg Estate Planning Lawyer


In addition to healthcare power of attorney and a living will, you may want to consider other advance directives: a mental health treatment preference declaration which will describe what treatments for mental illness you want to receive if you cannot make decisions for yourself, or a do not resuscitate (DNR) order which states that you do not want to be revived if you stop breathing or your heart stops beating.

If you want to know more about how to create the advance directives that will ensure your wishes are carried out correctly if you are incapacitated, the skilled attorneys at Drost, Gilbert, Andrew & Apicella, LLC can answer your questions and work with you to create the documents you need. Contact our Barrington estate planning attorneys at 847-934-6000 to schedule a personalized consultation.

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.



Sources:
http://www.dph.illinois.gov/topics-services/health-care-regulation/nursing-homes/advance-directives
http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2110&ChapterID=60

Are Holiday Gifts Subject to Federal Gift Tax?

Web Admin - Thursday, December 21, 2017
Barrington estate planning and tax lawyerThe holiday season is a time of giving, but as you celebrate this time with your family and friends, you may need to be aware of a certain omnipresent aspect of American life: taxes. While it will likely only apply to people who earn a high income or have large financial assets, it is still a good idea to understand the Federal gift tax and the impact it may have on the gifts you give and your estate.

What Is the Gift Tax?

When a person transfers property to someone else without receiving something of equal value in return, this is considered a gift by the Internal Revenue Service (IRS), and it may be subject to gift taxes. The person who gives the gift to someone else (known as the donor) is responsible for filing tax forms for the gift and paying the gift tax.

Gift Tax Exclusions

Certain types of gifts are excluded from taxes, including gifts given to one’s spouse, gifts given to a political organization, and tuition or medical expenses paid on someone’s behalf. For other gifts, an annual exclusion threshold applies. That threshold is $14,000 for 2017, and the threshold for 2018 will be $15,000.

The annual exclusion applies to gifts given to an individual person, so if a donor gives multiple people gifts of less than $14,000 each, they will not owe any gift taxes. For spouses, the exclusion is doubled, so a married couple can give a gift of up to $28,000 without owing gift taxes.

In addition to the annual exclusion, everyone is entitled to a lifetime exemption known as the basic tax exemption. For people who die in 2017, that exemption is $5,490,000, and in 2018, the exemption will increase to $5,600,000. The taxable amount of gifts greater than the annual gift tax exclusion threshold can be applied toward this lifetime exemption, and taxes will not be owed on these gifts. However, any amount of the basic exemption used during one’s lifetime will be deducted from the amount of their estate that is exempt from estate taxes upon their death.

Contact a Schaumburg Estate Planning Attorney

Determining how gift taxes will affect your finances and your estate can be a complex undertaking. If you want to make sure you are protecting yourself and providing for your family’s financial security, the skilled attorneys at Drost, Gilbert, Andrew & Apicella, LLC can work with you to ensure you have met your legal requirements and have the financial resources in place that your family needs. Contact our Rolling Meadows estate planning attorneys today at 847-934-6000 to schedule a personalized consultation.

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.



Source:
https://www.irs.gov/businesses/small-businesses-self-employed/estate-and-gift-taxes

New Illinois Law Affects Gifts to Caregivers

Web Admin - Thursday, November 13, 2014

Illinois caregiver probate, Schaumburg probate lawyerDrafting a will is an important step towards ensuring that a person's final wishes can be accurately carried out. However, there have been recent cases of elderly testators succumbing to the undue influence of caregivers or other people close to them, and altering their wills in ways that they would not ordinarily want to. In order to better protect the interests of people drafting wills and other documents to memorialize their last wishes, Illinois has passed a new law that alters the way that courts treat gifts to caregivers if someone contests the validity of the document.

Presumptively Void Transfers

In the event that someone legally challenges a bequest to a caregiver of more than $20,000, the court will apply a “rebuttable presumption” that the transfer is void. A void transfer would not go through and would instead be redistributed under other provisions of estate law. However, not all large gifts to caregivers would be void under the law. The law instructs the court to use a rebuttable presumption, which means that the caregiver is allowed to argue that the transfer was valid and should go through normally.

What the presumption does, essentially, is forces the caregiver to fight an uphill battle if he or she wants to claim the money. The caregiver would need to show by “clear and convincing evidence,” a higher than normal standard, “that the transfer was not the product of fraud, duress, or undue influence.” The caregiver also has another option to demonstrate the validity of the will. If the caregiver can show that the gift's size is no greater than it would have been before he or she became the caregiver, then he or she can overcome the presumption.

When the Law Applies

The law contains a variety of cutouts and definitions that make it more clear when the law does or does not apply. For instance, the law provides an exception for family members who act as caregivers. They will not have to face the presumption of voidness, though they do still need to deal with ordinary issues of fraud and duress. The law also sets out a definition of the types of documents that the rule applies to, which the law refers to as transfer instruments. According to the law, a transfer instrument is a document designed to cause a transfer of assets on or after the date of the transferor's death. These instruments can be wills, trusts, or contracts, among a variety of other types of legal documents.

If you believe that a family member's will was improperly tampered with by a caregiver, seek the help of a dedicated Schaumburg, Illinois probate attorney today. Our firm can help you learn about the options you have to make sure that your family member's final wishes are carried out properly. We assist clients in Inverness, Palatine, Arlington Heights, and throughout the Chicagoland suburbs.

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.

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.

Who Takes Care of the Children after the Death of a Parent

Web Admin - Thursday, November 28, 2013

By: Jay A. Andrew

http://www.dgaalaw.com/jay-andrew.html 

Determining who becomes guardian of a child in the unfortunate event that their parents pass away is an important decision. While parents have the right to make such decisions during their estate planning process, not everyone makes these preparations, and that leaves the decision of who raises the children up to the court. Illinois law guides the court as well as it can, providing general provisions for who qualifies to become a guardian in the Probate Act of 1975.

How the Judge Chooses a Guardian

Illinois law provides considerable freedom to judges in choosing who assumes guardianship of a minor, although the law does place some general restrictions on the court. The guardian chosen must be over 18, a resident of the United States, not convicted of a felony and of sound mind.

For most judges the question is decided by what is in the minor’s best interests of the minor child. The act often repeats that phrase, “the minor’s best interests,” stating that it should guide the judge’s decisions as to who assumes the role of guardian.

The procedure for the choice of guardian starts with the notification of interested persons, usually close family members, that the court will appoint a guardian. People may then petition the court to act as guardian for the minor, and the court will weigh the evidence and use its judgment to try to determine who can best raise the child. Minors over the age of 14 also have the option to nominate their own guardian, subject to review by the court. While these proceedings can often go smoothly and amicably, they can also be more acrimonious, depending on the family relationships involved.

If you are a parent and haven’t made provisions for guardianship of your children you should consider whether or not you want a judge that has never met you and barely met your child to make the determination of what is in their best interests.

Other complicating factors that an estate planning attorney can help you work through are disabled children, learning disabled children, how to keep all of the children together and how to manage combined families along with many other issues that are part of the modern family.

How to Avoid the Guardianship Proceedings

In order to avoid a drawn-out court battle, parents can take control of the situation. Illinois law gives parents the opportunity to name a guardian during their lifetime either in their will, or in a separate document. While the court still reviews this choice, the parents get much more control over their child’s future if they appoint a guardian. Rather than making the court guess at who would best raise the child, it can take the parents’ preferences into account, only overruling them if it finds “good cause” that the parents’ appointment would not be in the minor’s best interest.

If you are thinking about preparing a Will, or want to ensure the future security of your children, contact a Chicago estate planning lawyer today. We serve many northwest suburban areas including Arlington Heights, Schaumburg, Buffalo Grove, Palatine, Rolling Meadows, and other nearby communities.


Recent Posts


Tags

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

Archive