DGAA bLAWg

What Is Included in an Illinois Living Trust?

Web Admin - Thursday, December 31, 2020

Kenilworth estate planning attorneyWhen someone passes away, there is a legal process for administering and managing his or her estate, which is often referred to as estate administration. Instead of creating a will that outlines how assets will be distributed after death, a person can put those directives in another document, called a living trust. A trust is a legal document that designates a person or corporation to act as a trustee to administer the trust property according to the trust instructions. The individual who drafts the trust is considered the “grantor” or “settlor.” Those who receive assets or income from the trust are known as “beneficiaries.” The individual who is assigned as the trustee has a responsibility to uphold and manage the trust property for the beneficiaries named in the trust document. If you or someone you know is considering establishing a trust, an experienced estate planning attorney can help you draft this important legal tool.  

The Difference Between a Will and a Trust

A will only takes effect upon a person’s death. A living trust becomes valid during the grantor’s lifetime and can be either revocable or irrevocable. A living trust designates a trustee and explains the steps for administering the trust during a person’s life in addition to after his or her death. It is important to note that the trust document simply sets up the trust, which remains empty until assets are placed into the trust.

An individual can be the sole beneficiary of his or her trust while he or she is living. Alternatively, he or she can name a spouse or children as other beneficiaries. In the event the grantor becomes incapacitated due to a serious illness or injury, the trust designates a successor trustee to manage the assets. Upon the grantor’s death, the living trust instructs the distribution of assets like it would in a will. These assets may include cash, life insurance policies, individual retirement accounts (IRAs), stock portfolios, real estate, and other business interests. By putting who gets what into writing can prevent arguments or disputes between family members who believe they are entitled to any assets. 

The Benefits of a Living Trust

The benefits of a living trust include avoiding going to court for probate and guardianship proceedings (in the event a minor is involved). A living trust can be especially useful when someone owns real estate property in more than one state. Generally, real estate is probated in the state where it is located. There are people who may own real estate in one or more states, which usually requires probate to be administered in the owner’s home state. However, probate must also be conducted in any other state in which a person has property. Since probate is not necessary for property that is held in a trust, homeowners can forgo this additional administration as long as the out-of-state real estate is included in the living trust.

Unlike a will, a living trust is private since it is not a public record. 

Contact a South Barrington Estate Planning Lawyer

Thinking about and planning ahead for your future is important to prevent disputes among family members upon your death or if you become incapacitated. Depending on your circumstances, you may want to create a living trust instead of a will. Drost, Gilbert, Andrew & Apicella, LLC, are well-versed in Illinois law pertaining to estates. Our accomplished Long Grove estate planning attorneys will help you draft and review these essential legal documents. Call our office today at 847-934-8000 to schedule a free 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.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=4001&ChapterID=61



.



Having a Baby Soon? Why You Need to Complete Your Healthcare POA Before You Leave for the Hospital

Web Admin - Thursday, September 24, 2020
Inverness estate planning lawyer for healthcare POA

Thinking about the future in case something happens to you can be a daunting task. Many people do not like to think about what will occur if they pass away. However, estate planning is essential if you want your wishes to be carried out and avoid disputes between surviving family members. A power of attorney (POA) is a legal document that names the person who can speak for you if you become incapacitated and incapable of making your own decisions. A healthcare power of attorney is a legal document that allows someone to give a certain individual the authority to make decisions about his or her medical care. Healthcare POA can refer to both a legal document and a person who has been granted this type of legal authority. For women who are expecting a child, it is critical to have a healthcare POA named in case complications during labor and delivery leave them unable to make decisions regarding medical intervention for them or their newborn.  

What Does a Healthcare POA Cover?

A medical power of attorney can include stipulations concerning a wide variety of medical procedures, including hiring a personal care assistant and determining types of medical treatments in general. These directives might only be necessary for a temporary period of time, or they could be needed for a long-term health crisis. 

A healthcare POA will usually only go into effect if a person does not have the mental capacity to make decisions for himself or herself regarding medical treatment. An example could involve a pregnant woman who suffers complications while in labor after she arrives at the hospital, such as a heart attack or stroke. If she loses consciousness for any reason, she will be incapable of communicating whether she wants to be put on life-sustaining support such as a ventilator or feeding tube. Depending on the woman’s condition, any medical emergency could directly affect her baby’s health. If medical staff are faced with the decision to save either a mother or her baby, this is the type of choice that can be made ahead of time with a POA. 

Typically, married spouses are each other’s designated POAs. However, if a woman is unmarried and pregnant, her healthcare POA could be a parent, sister, cousin, or friend.    

Contact a Kenilworth Estate Planning Lawyer

Designating a Healthcare Power of Attorney is very important. If you are pregnant, it is essential that you complete this document before you deliver your child. This will ensure that if complications arise during childbirth, you will be given the medical treatment that you would have consented to if you were able to make that decision on your own. The knowledgeable legal team of Drost, Gilbert, Andrew & Apicella, LLC is prepared to help you draft these essential documents. Our skilled Riverwoods estate planning attorneys are well-versed in Illinois laws and how they may impact your unique situation. To arrange a free consultation, call our office today at 847-934-8000.

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:

https://www.ilga.gov/legislation/ilcs/ilcs4.asp?ActID=2113&ChapterID=60&SeqStart=2600000&SeqEnd=-1

Enjoy the Season of Giving Without Tax Implications

Web Admin - Monday, December 17, 2018
Schaumburg gift tax attorneyYou do not have to wait until you die to give a loved one enough money to pursue a big dream, such as starting a business or advancing their education. You can give that gift today without paying any extra federal taxes as long as you follow a few simple rules and have a sound estate plan. During the holiday season, it is important to understand how federal gift tax affects the high-value gifts given.

Why the Gift Tax Exists 


Gift taxes exist because of the federal estate tax. If your estate is large enough that federal estate taxes will be owed upon your death, the IRS wants to make sure it collects those taxes one way or another. The gift tax ensures that people cannot avoid the federal estate tax simply by giving away their assets prior to death.

Who Has to Pay Federal Gift Taxes? 


Gifts are always tax-free to the recipient. Federal gift tax rules only apply to the giver and only come into play if you exceed the annual gift limits. 

What Are the 2018 and 2019 Gift Limits?


The annual gift limit is $15,000 per individual recipient per calendar year for 2018 and 2019. You can give that amount to as many individuals as you wish without being required to pay gift tax. It does not matter if the individual is related to you or not.

In other words, a gift of $15,000 or less that is given to one person will not have any gift tax or estate tax implications. Separately, your spouse may also give $15,000 to anyone they want. 

Non-cash gifts are valued at their current fair market value. For example, if you originally paid $5,000 for a painting or 100 shares of stock, and the item is worth $15,000 at the time you transfer the gift, the IRS considers the value of the gift to be $15,000.

What Happens if I Exceed the Annual Gift Limits?


If the total value of your gifts to any one individual in one calendar year exceeds the annual limit, you must file a federal gift tax return using IRS Form 709. This is separate from your federal income tax return but is due at the same time. 

A separate Form 709 must be filed by each individual who gives an over-the-limit gift; spouses cannot file one joint Form 709 the way they file a joint income tax return.

However, just because you have to file a federal gift tax return does not mean you will actually have to pay any taxes at that time. You can choose to apply over-the-limit gift amounts to your federal estate tax exclusion. In essence, rather than paying the gift tax now, you defer the taxes until your death when the final estate tax return is filed.

If you opt to pay gift taxes at the time you file a gift tax return, the tax rate starts at 18% and goes as high as 40%. These rates are substantially lower than current estate tax rates, but again, the laws can change dramatically from year to year. 

Ultimately, most people will not owe any federal estate taxes upon their death, so it is often preferable to avoid paying gift taxes early.

What Happens at Death When My Estate is Settled?


A federal estate tax return must be filed only if the fair market value of your total assets at the time of your death plus the sum of all pre-death taxable gifts exceeds the IRS “basic exclusion” amount. The IRS basic exclusion amounts are $11.18 million for 2018 and $11.4 million for 2019. 

Of course, it is possible that the estate tax threshold could be reduced in future years. For example, if you had died in 2017, the estate tax exclusion was just $5.49 million. 

These complexities are a good reason to work with a highly skilled tax and estate planning attorney to develop a comprehensive estate plan.

Please note that the information in this article applies only to federal tax law. Consult your financial and legal advisors regarding applicable Illinois estate and gift tax laws.

Consult a Schaumburg Tax and Estate Planning Lawyer


Many people find great pleasure in giving generous gifts to their family members sooner rather than later. However, to avoid creating an unnecessary tax burden, talk to a knowledgeable Arlington Heights gift tax and estate plans attorney at Drost, Gilbert, Andrew & Apicella, LLC. Call 847-934-6000 to schedule an appointment; there is no charge for an initial 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:
https://www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax
https://www.thebalance.com/what-gifts-are-subject-to-the-gift-tax-3505680
https://www.hrblock.com/tax-center/income/other-income/do-i-have-to-pay-taxes-on-a-gift/

Treatment of Same-Sex Spouses and Civil Union Partners Under Illinois Probate Law

Web Admin - Wednesday, November 21, 2018
Rolling Meadows same sex couple estate planning lawyerThe state of Illinois has recognized civil unions of same-sex couples since 2011 and same-sex marriage since 2014. But it was not until 2015, when the U.S. Supreme Court issued its ruling in the case of Obergefell v. Hodges, that all states were required to allow and recognize same-sex marriages. These changes over the past decade have had a major impact on estate planning for same-sex couples.

Differences Between Illinois’ Civil Union Act and Marriage Fairness Act


The 2011 Illinois Religious Freedom Protection and Civil Union Act (750 ILCS 75) declares that a party to a civil union “is entitled to the same legal obligations, responsibilities, protections, and benefits” that the law of Illinois affords to spouses. This law did not, however, mention children of civil union partners or other family members.

The 2014 Religious Freedom and Marriage Fairness Act (750 ILCS 80) more forcefully declares that its purpose is to provide same-sex and different-sex couples and their children “equal access to the status, benefits, protections, rights, and responsibilities of civil marriage.” It goes on to say that parties to a marriage and their children “shall have all the same benefits, protections, and responsibilities under law.”   

Conversion of a Civil Union to a Marriage in Illinois


Civil unions were not automatically converted to marriages when the 2014 law was passed. Rather, the Civil Union Act was modified in 2014 to allow the voluntary conversion of a civil union to a marriage at no cost. Through May 2015, a couple could have their civil union redesignated as a marriage just by applying to a county clerk. The effective date of the marriage would be the same as the effective date of the earlier civil union. 

As of June 2015, parties to a preexisting civil union must apply for a marriage certificate and have the marriage solemnized and registered as a marriage. The effective date of that marriage would be the date the marriage was solemnized.

Impact of a Civil Union vs. Marriage on Estate Planning


Spousal inheritance rights are the same in Illinois, whether you are legally in a same-sex civil union, same-sex marriage, or different-sex marriage. Still, if you entered into a civil union, you may want to convert that to a marriage, just to ensure that your relationship is recognized as a legal marriage nationwide and internationally. For example, when partners are citizens of different countries, an actual marriage certificate will generally be needed in order for the spousal relationship to be recognized for immigration purposes. In addition, the same-sex marriage law specifically references “children” and “family” of the couple.

Also, if you entered into a civil union at some point, and the relationship broke up, you should be sure that the civil union was legally dissolved; the process is the same as for the dissolution of a marriage in Illinois. If the civil union was not legally dissolved, or converted to a marriage followed by a divorce, one partner could still claim the right to inherit from the other.

Inheritance and Related Rights of Same-Sex Married Couples Recognized Nationally


Same-sex couples gained numerous inheritance-related benefits as a result of nationwide legalization of same-sex marriage, such as:

- The couple no longer has to worry about moving from a state where same-sex marriage was recognized to a state where it was not.

- If one spouse dies without a written will or trust, the other will now automatically inherit under the laws of their state of residence.

- When one spouse dies, the other can claim the marital deduction for federal gift and estate tax purposes.

- When one spouse dies, leaving the other as beneficiary of a qualified retirement account, the surviving spouse can roll over those assets into their personal retirement account, allowing for optimal asset protection and income tax planning. 

- As a living individual in 2018, you can make inter vivos gifts of up to $15,000 per person per year with no tax implications. However, you can gift as much as you want to your spouse. 

- Spouses can make medical decisions for one another without requiring a power of attorney for health care.

Consult a Palatine Same-Sex Marriage Estate Planning Lawyer


Whether you are married to a same-sex or different-sex spouse, particularly if you have children, you should really have an estate plan, including basic documents such as advanced healthcare directives and powers of attorney. Talk to an experienced Schaumburg estate planning attorney at Drost, Gilbert, Andrew & Apicella, LLC. We can help you develop a will, trust, and other legal plans that will provide emotional and financial security for you and your family for the long-term. Contact us at 847-934-6000 for a free 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=3294&ChapterID=59
http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3525&ChapterID=59

Why Top 15% Income Households Need to Start Estate Planning Now

Web Admin - Wednesday, October 24, 2018
Schaumburg estate planning lawyer wealth protectionYou do not have to be Jeff Bezos or Elon Musk to need an estate plan. You do not even need to be earning $1.4 million a year, which is the average annual income of the top 1% of Illinois households. However, if you are fortunate enough to be in the top 15%, you will likely amass enough assets to need an estate plan. For perspective, a 2017 household income over $140,000 per year puts you in the top 15% of U.S. households; over $170K puts you in the top 10%, over $225K in the top 5%, and over $431K in the top 1%. If you fall into these ranges, here are three reasons why you should start an estate plan: 

1. You may think it is too early to be worrying about an estate plan. It is not. 


If you belong to the Baby Boomer generation, you are now age 54 to 72. Gen Xers are age 39 to 53. You may be in great health today, but you cannot predict what will happen tomorrow. You do not want to leave your family in chaos, trying to figure out what to do in the event of a sudden illness or death. Peace of mind is a gift you give yourself and them when you make the time to create an estate plan.

2. You may think your estate is not big enough to require “planning.” It may be bigger than you realize.


Have you totaled up your assets lately? Your home, vehicles, whole life insurance, retirement accounts, other investments, and personal property may add up to more than you realize. You may think that you will use up your entire retirement savings during your lifetime, but many people will not. If you have invested wisely, you may be able to live off the earnings and hardly touch the principal. Also, your primary home, vacation home, or other assets (artwork, jewelry, gold coins) may appreciate in value more than you expect. With an estate plan, you can make sure your assets are distributed according to your wishes.

3. You may think that a simple will that divides your estate equally among your children is enough. But have you allowed for the unexpected?


An experienced estate planner will point out the types of unexpected events that can occur and the important contingencies that you should cover in your plan, such as: 

- What if one of your heirs becomes disabled or cannot be trusted with money due to an addiction? You may want to place your money in a trust with scheduled distributions, with a trustee who has the authority to distribute more or less money if circumstances warrant.

- What if someone does not want the asset you want to give them? For example, you may want to make sure your lake cottage stays in the family, with each child owning an equal share. But what if one of them moves far away or cannot afford the maintenance costs? Also, when it passes to the next generation, what happens if one child has three offspring and another has just one? Is it fair for one grandchild to have a 50% say in future decisions while the other three grandchildren split the remaining 50%? An experienced estate attorney will anticipate and know how to solve for such problems. 

- What if you outlive your presumed heirs? Do you have siblings or other relatives you would like to provide for?

- What if your final estate is likely to be substantially larger than you think your heirs need? Are there any charitable causes you would like to support, perhaps only if your final estate exceeds a certain amount?

Consult a Kenilworth Estate Planning Lawyer


These are just three of the reasons that an income earner who is in the top 15% should be starting their estate plan now. For more information, contact the experienced Inverness estate planning attorneys at Drost, Gilbert, Andrew & Apicella, LLC. We will help you develop a savvy estate plan that will provide emotional and financial security for you and your family. Contact us at 847-934-6000.

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:
https://dqydj.com/united-states-household-income-brackets-percentiles/
https://money.usnews.com/money/retirement/baby-boomers/articles/2018-07-05/6-common-myths-about-estate-planning
https://www.kiplinger.com/article/retirement/T021-C032-S014-10-surprisingly-common-estate-planning-mistakes.html

How the Tax Cuts and Jobs Act Affects Estate Tax

Web Admin - Wednesday, January 24, 2018
Barrington estate planning lawyer estate taxThe Tax Cuts and Jobs Act of 2017 represents the largest reform to the United States tax code in the past 30 years, and its changes will be felt in nearly every aspect of people’s lives for many years to come. While tax attorneys and financial advisors are still working to determine how this bill will affect individuals and businesses, one area in which the act’s changes are clear is that of estate tax. For people with significant assets, it is important to understand how these changes will affect their estate plan.

Estate Tax Exemptions

The federal estate tax applies to the assets which are transferred to someone’s heirs after their death. However, everyone is entitled to an exemption, and only the value of the estate above this exemption is subject to estate taxes. Prior to the passage of the tax reform bill, this exemption was $5 million, plus an inflation adjustment which varied from year to year (for 2018, the inflation adjustment was $600,000, allowing an estate to claim a total exemption of $5.6 million). 

The Tax Cuts and Jobs Act doubled the amount of the exemption, meaning that for an individual who dies in 2018, their estate can claim an exemption of $11.2 million. In addition, spouses are able to use a portability election to claim any unused portion of their spouse’s exemption. This means that married couples will effectively have a $22.4 million estate tax exemption.

Notably, this increased estate tax exemption is scheduled to sunset in 2025. People with significant assets can take advantage of this exemption before it ends and minimize their potential estate taxes by transferring their assets to their heirs prior to their death. As of 2018, gifts of up to $15,000 from an individual or $30,000 from a married couple can be given to individuals each year without being subject to federal gift taxes. A person’s lifetime estate tax exemption of $11.2 million can be applied to gifts above this threshold. 

Contact a Schaumburg Estate Planning Attorney

The increased estate tax exemption is just one small aspect of the Tax Cuts and Jobs Act, and there are a wide variety of other provisions that will affect people’s finances and their plans for distributing their assets to their heirs after their death. If you have any questions about how the tax reform bill will affect your estate plan, the skilled attorneys at Drost, Gilbert, Andrew & Apicella, LLC can help you understand the changes to the law and the steps you should take to provide for your family’s financial security after you are gone. Contact our Inverness estate planning 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:
https://www.forbes.com/sites/ashleaebeling/2017/12/21/final-tax-bill-includes-huge-estate-tax-win-for-the-rich-the-22-4-million-exemption/#7325a3cc1d54
https://www.fool.com/retirement/2017/10/29/the-2018-estate-tax-and-why-it-may-not-matter.aspx

A Will and Trusts Lesson from Some of the Greatest Music Legends

Web Admin - Wednesday, April 26, 2017
Illinois wills and trusts attorneysIf there is any one group of people who should have an estate plan in place, it is celebrities. Of course, like most people, celebrities become distracted with life or refuse to face the possibility of their own mortality. Should they continue to do so and pass away, their estate becomes at risk. Take, for example, the issues faced by the families of Bob Marley and Jimi Hendrix. Both were major music icons, both died without a will in place, and both left behind a frustrating mess.

Jimi Hendrix’s Estate

When Jimi Hendrix died in 1970, the entirety of his estate went to his father, Al Hendrix. When Al died in 2002, the estate then went to Al’s step-daughter, Janie Hendrix. Jimi’s brother, Leon, received nothing from the estate. Since then, the family has been in a long, grueling, and contentious family feud.

Some of the beneficiaries had asserted that Janie and Jimi had never had a close relationship and that she had no rights to the estate. There were also concerns over how she had managed the estate. At the end (2004), a judge determined that Janie had mismanaged the estate and breached her duty as a trustee. Even still, Leon received nothing more than the gold record that had been gifted to him by his father years before his death.

Bob Marley’s Estate

Bob Marley never saw himself as a “rich” man. In fact, he claimed not to have much in the way of assets during a 1979 interview with “60 Minutes.” What he failed to understand was that his legend would live on. Without rights to his image, trademark, and personality, the market would become a free-for-all. In some cases, the issue of selling merchandise would go beyond the capital money; it would be a matter of disgrace for those that loved and knew the legend best.

To stop the unabashed and insensitive manufacturing and sale of their loved one’s image, the family had to purchase rights to his image and trademark. Had Marley had the insight to understand the implications of passing away without a will, he might have better protected his family and his legacy.

Using a Will to Protect Your Legacy and Estate

Whether you have a sprawling estate worth millions, a legacy that needs to be preserved or only loved ones that you want to take care of once you are gone, draft a will. Schedule a consultation with the Long Grove wills and trusts lawyers at Drost, Gilbert, Andrew & Apicella, LLC and get started today. Call 847-934-6000.

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.billboard.com/articles/news/473231/the-business-of-bob-marley-billboard-cover-story
http://www.cnn.com/2004/LAW/07/13/hendrix/index.html?iref=newssearch
http://www.seattletimes.com/entertainment/music/latest-jimi-hendrix-family-feud-resolved-in-settlement/




Recent Posts


Tags

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

Archive