Options for a Life Insurance Claim Payout

Web Admin - Thursday, June 28, 2018
Rolling Meadows life insurance claim lawyerA life insurance policy can provide a family with the reassurance that they will be able to maintain financial security if tragedy strikes and a family member dies. Life insurance benefits can account for the income that a deceased person would have provided for their family, as well as expenses such as the costs of medical care prior to a person’s death or burial and funeral expenses. When filing a claim, it is important to understand the options for receiving a payout of life insurance benefits.

Payout Options

After the death of a person covered by a life insurance policy, the beneficiaries of the policy should file a claim with the life insurance company, and they must provide a copy of the deceased person’s death certificate. If the claim is approved, the beneficiaries may receive a payout in one of several ways, including:

- Lump sum - The entire amount of the benefit may be paid at one time, allowing beneficiaries to use these funds to pay outstanding expenses or invest them as they choose.

- Annuity - A benefit may be paid to beneficiaries in installments, providing regular income for a certain number of years. This allows beneficiaries to not only receive the money they need on an annual basis, but they will also receive interest on funds that have not been paid out. However, while life insurance benefits are not taxable, interest earned on these benefits is considered taxable income.

- Payout checkbook - Some insurers will hold benefit funds for beneficiaries while allowing them to withdraw money as needed by writing checks. Funds held by an insurer may also generate interest until they are withdrawn.

- Life income - Some plans may allow beneficiaries to receive a fixed monthly income based on the amount of the benefit, their age, and their life expectancy. The beneficiary will receive a guaranteed amount for the rest of their life, regardless of whether they die before or after they reach the age to which they are expected to survive.

- Pre-death payments - While life insurance benefits are usually paid after a person’s death, in some cases, they may be available while a person is still alive to offset the costs of medical care for a terminal illness.

Contact a Des Plaines Life Insurance Attorney

After a person’s death, the prompt payout of life insurance benefits is essential, allowing a family to cover their costs and meet their ongoing needs. If a life insurance company has denied your claim or delayed the payout of your benefits, Drost, Gilbert, Andrew & Apicella, LLC can work with you to help you receive the benefits you deserve. Contact our Palatine life insurance claims lawyers at 847-934-6000 to arrange a personalized consultation.

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.


Pursuing Compensation in Cases of Wrongful Death

Web Admin - Friday, May 11, 2018
Mount Prospect wrongful death lawyerThe death of a loved one is devastating for a family. In addition to the grief that family members experience, they will often struggle with financial difficulties, especially when the deceased person is a family’s primary income earner. These issues become even more difficult when the death could have been prevented or occurred because of someone’s negligent or careless actions. When family members are working to put their lives back together after a tragic loss, they should be sure to understand their options for pursuing compensation through a wrongful death lawsuit.

Illinois Wrongful Death Laws

According to Illinois law, wrongful death occurs when a person’s death is caused by someone’s wrongful or negligent acts. Acts are considered negligent if the victim could have pursued a personal injury lawsuit against the liable party or parties had they not died. A liable party may be an individual person or a company or corporation.

A personal representative of the deceased person may file a wrongful death lawsuit on behalf of the person’s surviving family members, and damages recovered are for the “exclusive benefit” of those survivors. Wrongful death cases have a two year statute of limitations in Illinois (that is, a lawsuit must be filed within two years of the date of death), although this statute of limitations is extended to five years (or one year after the final disposition of a criminal case) if the death was caused by “violent intentional conduct” such as murder, voluntary or involuntary manslaughter, or reckless homicide.

Wrongful Death Damages

A wrongful death lawsuit can seek to recover damages from the party responsible for the death, and these damages may be economic or non-economic. Types of damages include:

  • - Medical expenses - A family may be compensated for the costs of hospitalization, surgery, or any other medical treatment the deceased person received before their death.
  • - Burial expenses - Compensation may include funeral costs and any expenses related to the disposition of the deceased person’s remains.
  • - Lost income - One of the primary types of economic damages families experience is the loss of the income earned by the deceased person, as well as any benefits they received. Wrongful death compensation can address these damages, providing a family with the financial means to meet their ongoing needs.
  • - Emotional damages - A family may be able to receive compensation for the grief and sorrow they experience because of the loss of their loved one.
  • - Loss of society - In addition to economic damages and emotional harm, a family will be deprived of their relationship with their deceased loved one, and they may be compensated for the loss of love and companionship, as well as the education, instruction, or services which the deceased person would have provided for their family.

Contact a Barrington Wrongful Death Lawyer

If your family member has died because of someone’s actions or negligence, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your options for filing a wrongful death lawsuit. We will work to help you receive the compensation you need to address your financial difficulties and emotional suffering. Contact an Inverness personal injury attorney at 847-934-6000 to arrange a personalized consultation.

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.


Ordering a Pizza by Using an Emoji

Web Admin - Friday, October 30, 2015

Schaumburg, IL civil litigation attorney, ordering a pizza, pizza emojiEarlier this year, Domino’s introduced a new method for ordering a pizza that involved the use of Twitter and the pizza emoji. While being able to simply tweet and have a pizza delivered to your door may be easy, a question exists as to when, and if, a valid contract is created by this action. 

Tweeting for a Pizza 

An individual who wishes to take advantage of the pizza emoji ordering method must have an online Domino’s Pizza Profile with an Easy Order pizza saved in his or her account. In addition, he or she must add his or her Twitter account to his or her Pizza Profile. After this is accomplished, the individual can tweet the pizza emoji
to the Domino’s account (@dominos). An emoji is simply a small digital image, which, in the case of the pizza emoji, is a slice of pizza. Once Domino’s receives the tweet, a direct message will be sent to the person confirming the order. The individual must approve the order before the pizza is officially ordered. 

Is it a Contract? 

A valid, enforceable contract is created when four elements exist: 

1. Offer: a party must make a definite, clear promise to do something;

2. Consideration: something of value must be promised in exchange for the benefit; 

3. Acceptance: the offer must be accepted. In most cases, the acceptance must be of the exact terms that were offered. If new terms are introduced, it is considered a counter-offer, which the person who made the original offer can accept, reject, or propose another counter-offer; and 

4. Mutuality: this is often referred to as a “meeting of the minds.” It means that both parties understand and intend to be bound by the terms of the contract. 

The act of tweeting the pizza emoji to Domino’s probably does not constitute a valid offer. Rather, it is likely an expression of interest or request for a proposal, both of which are not considered an offer. In other words, the tweeted emoji represents an individual stating that he or she is interested in purchasing a pizza and asking Domino’s what they can offer to satisfy that interest. 

While tweeting the emoji may not constitute a valid offer, individuals can still order pizzas through this method. This is because of the direct message requesting confirmation of the order. At this point, an offer with consideration has been made. Domino’s has promised to make and deliver a pizza in exchange for the amount of money it states the pizza costs in the confirmation message. When the individual responds positively confirming the order, acceptance has been completed. At that moment, the individual has agreed to pay the stated price in exchange for the pizza. 

Understanding contracts is important because they are a significant part of all of our lives. If you would like more information about the creation or breach of contracts, please contact a knowledgeable Schaumburg, IL civil litigation attorney today. Our firm represents individuals throughout the northwest suburbs, in communities such as Crystal Lake, Schaumburg, Palatine, Des Plaines, Rolling Meadows, Buffalo Grove, Barrington, Arlington Heights, Inverness, and Deer Park. 

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.



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.

Recent Posts


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