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.


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.



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


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