DGAA bLAWg

Potential Reasons for the Denial of a Life Insurance Claim

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

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

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

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

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


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

Contact a Buffalo Grove Life Insurance Attorney

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

Ken ApicellaAbout the Author: Attorney Ken Apicella is a founding partner of DGAA focusing in the areas of personal injury, employment, insurance coverage disputes, and civil litigation. Ken earned his J.D. from DePaul University College of Law in 1999. He has been named a SuperLawyers Rising Star and a Forty Illinois Attorneys Under Forty to Watch. Ken has written and lectured for the Illinois Institute for Continuing Legal Education and regularly serves as a moderator at Northwest Suburban Bar Association's Continuing Legal Education seminars.



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

Two Main Legal Options for Insurance Disputes

Web Admin - Monday, March 21, 2016

legal options for insurance disputes, Illinois Insurance Dispute AttorneysPeople purchase insurance policies to put their minds at rest. However, countless valid claims are denied by insurance companies every year. Many individuals are upset when their insurance company disputes a claim and refuses to pay—insurance companies are in the business of making money, and paying out claims is not a part of their business plan. When you find yourself involved in an insurance dispute with your insurance company, an experienced Illinois insurance dispute lawyer can help you deal with the insurance company and your disputed claim. 

Settlement As a First Option 

The most common approach for handling insurance disputes is to enter into settlement negotiations. A majority of insurance disputes are successfully resolved via settlements. Settlement negotiations begin when your lawyer submits your claim to the insurance company. The insurance company is not interested in paying the full amount of the disputed claim, but may be persuaded into paying a reduced amount of the claim instead. The insurance company will most likely reject your settlement claim; however, it will likely pitch back to you a counter settlement offer. 

After discussing the counter offer with your lawyer, you and your lawyer can then determine if the counter offer is satisfactory or not. If not, you can reject the counter settlement offer and put forth another settlement offer of your own. This process repeats until you and the insurance company come to an agreement, or ultimately decide that a settlement is not going to work. When settlement negotiations fall apart and fail, the dispute must be brought before the courts to be resolved. 

Proceeding to Court As a Second Option

If all else fails, your lawyer can prepare your insurance dispute claim for court. As an initial matter, it is very likely that your insurance policy contains a clause directed to a statute of limitations for bringing an insurance dispute to court. Your lawyer should be able to review your policy and inform you of when you must file the action in court in order to prevent your claim from being time barred under the policy. 

Your case will most likely be based on contract law or the Illinois Insurance Code, both of which your insurance dispute lawyer is highly familiar with. Additionally, your cause of action will most likely be based on a breach of contract (i.e., the insurance company refusing to pay, as per the insurance contract), or a violation of the Illinois Insurance Code. Your insurance dispute lawyer will work closely with you to develop your strongest case against your insurance company so that you can get the claim payout that you need. 

If you are having difficulty with your insurance company refusing to payout a valid claim, please feel free to contact one of our experienced Illinois insurance dispute attorneys today. Our firm serves the communities of Rolling Meadows, Buffalo Grove, Barrington, Inverness, Palatine, Des Plaines, Schaumburg, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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.

Source:

http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&


Appealing ERISA Life Insurance Claim Denial

Web Admin - Friday, August 21, 2015

Illinois insurance dispute lawyerThe Employee Retirement Income Security Act of 1974 (ERISA) governs certain life insurance plans offered by employers. Whether or not ERISA covers an insurance plan is important because it will impact the way in which a claim denial may be appealed. Additionally, claims governed by ERISA have more limited remedy options than under traditional state law.

What is ERISA?

Under ERISA, minimum standards are established for benefit plans offered by employers, including life insurance plans. However, ERISA is only applicable to private employers that offer employer-sponsored insurance (or other benefit plans) to employees. ERISA does not mandate that plans are offered by employers, but does set standards and rules that must be met for those employers that do offer plans. ERISA does not apply to individually purchased, private insurance plans.

Additionally, ERISA does not apply to the following plans:

  1. - A government plan;
  2. - A church plan with respect to which no election has been made under section 410(d) of title 26;
  3. - A plan maintained strictly for the purpose of complying with relevant workers’ compensation laws or unemployment compensation or disability insurance laws;
  4. - A plan maintained outside of the United States for the benefit of nonresident illegal immigrants; or
  5. - An excess benefit plan that is not funded.

Appealing a Claim Denial

The process for appeal begins with the insurance company sending a letter to the claimant explaining that the claim has been denied. A claimant has the right to receive all “relevant documents” to the case, but this must be requested. It is important to request the plan administrator to send these documents. After the claimant has all of the documents and is ready to state his or her case, the request for an administrative review should be made. However, a request for this review must be made within 180 days of the denial of the claim. It is important to note that, under ERISA-governed plans, a lawsuit is not available until an administrative review is conducted.

For the review, the insurance company will provide the reasons for denying the claim. The claimant should respond to these thoroughly and objectively. This is a critical step, because the information provided at this stage will be the information that the judge will review upon appeal in the event that the administrative review is not favorable to the claimant. Similarly, the administrative review is limited to the evidence and medical documents that have been provided to the company.

If the administrative review does not overturn the denial of the claim, the decision can be appealed by filing a federal lawsuit. ERISA does not allow for punitive damage awards or bad faith claims in these types of lawsuits. Additionally, the case is heard and ruled on by a judge, not a jury. As a result of these differences, quite often it can be beneficial to attempt to argue that ERISA does not cover the insurance plan.

Appealing denial of claims governed by ERISA can be complicated. For more information about the process and how an experienced Illinois insurance dispute attorney can help, contact us today. Drost, Gilbert, Andrew & Apicella, LLC proudly provides legal representation for communities such as Des Plaines, Crystal Lake, Palatine, Rolling Meadows, and Barrington.

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.


Recent Posts


Tags

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

Archive