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

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

Archive