5 Life Insurance Claim Denials and How to Avoid Them in Illinois

Web Admin - Tuesday, August 04, 2020

Options for a Life Insurance Claim Payout

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

Payout Options

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

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

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

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 Funds held by an insurer may also generate interest until they are withdrawn.

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

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

Contact a Des Plaines Life Insurance Attorney

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

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


Avoiding Life Insurance Loopholes

Web Admin - Tuesday, November 25, 2014

life insurance loopholes, Illinois life insurance lawyerThe insurance industry is known for having incredibly complex contracts, and life insurance is no exception to this rule. As you might expect, the reason for this is money. According to statistics from the Insurance Information Institute, life insurance is a multi-billion dollar industry, and the companies want to keep it that way. 

One of the ways that life insurance companies do this is by fighting against paying valid claims. Money they do not have to pay out is money that they can ultimately keep for themselves, and even just delaying the payments can be profitable for them. Life insurance companies have two main tools for insurance claim disputes, policy cancellations and policy exclusions.

Policy Cancellation

A policy cancellation is exactly what it sounds like. The insurance company cancels a claimant's policy in order to avoid paying out a claim. This is a particular problem during the first two years of the policy's life, which is known as the contestability period. During this period, the insurance company may examine the policy looking for misrepresentations or omissions, and then cancel the policy if they find any. They even have the option of doing this after a person has already made a claim, and they are allowed to cancel regardless of whether the omitted information has anything to do with the actual cause of death.

A similar issue, but one that can last beyond the contestability period, is the material misrepresentation clause. This clause allows the insurer to cancel the policy at any time if they discover a lie or omission that would have caused them to not issue the policy in the first place. However, even people with perfectly accurate applications are not safe from having their claims contested.


In cases where the person's application cannot be contested, insurance companies may still attempt to avoid paying out for claims based on policy exclusions. These exclusions are specific events or actions that the insurance company has excepted from the policy. There are a variety of different policy exclusions that insurers may use, and they vary from policy to policy, but they may include:

- Dangerous activities like skydiving;
- Suicide;
- Alcohol and drug use; and
- Illegal activities.

The exact limits of these exclusions can depend on the precise policy language. For instance, some policies’ exclusions for alcohol and drug use exclude only illegal substances, while others exclude legal ones too. This can be especially complicated because some policies require the substance to be the cause of the death, while others only need the substance to be in the person's system at the time of death.

Life insurance contracts are complicated legal documents, and the insurance company is going to have a lawyer on their side. If you want to even the odds, contact a Palatine life insurance attorney today. Our firm assists people in insurance disputes all over the northwest suburbs, including in towns like Inverness, Deer Park, Barrington, Arlington Heights, Schaumburg, Des Plaines, Rolling Meadows, Crystal Lake, and Buffalo Grove.

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 a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

illinois denied insurance benefitsMany people carry life insurance or accidental death and dismemberment (AD&D) policies. These policies, which people can acquire through their employer or on the open market, may pay benefits in cases of accidental death. Unfortunately, life insurance policies comprise an industry worth hundreds of billions of dollars, according to a report by the U.S. Treasury, and insurance companies have strong incentives to pay out as little as they can in benefits.

Often, that means denying legitimate life insurance claims on the basis of a “policy exclusion.” Policy exclusions are exceptions that insurance companies place into contracts that exempt certain situations from qualifying for payment. Common policy exemptions include suicides and deaths occurring within one year of the policy’s start. Companies can use these sorts of exemptions as pretexts for denying the payment of benefits.

Contesting a Denial

Even after the insurance company denies the claim, beneficiaries do have tools to appeal the decision. However, depending on the law governing the insurance policy, the tools may be expansive, or more limited in nature. For instance, plans through a person’s employer are often covered by the Employee Retirement Income Security Act (ERISA). ERISA places strict limits on how appeals take place.

Beneficiaries must appeal the decision through a special ERISA administrator before they can move into the regular court system. Beneficiaries with denied claims would do well to seek out a lawyer before filing their ERISA appeal because the actions that take place at that appeal can have strong impacts on a court case. Courts handling ERISA litigation often use evidence from the appeal when making their decisions. That means that if something is left unmentioned at that stage, it can be very difficult to convince the court to consider it later.

Plans purchased by an individual, rather than provided by an employer, will likely be governed by state law instead of ERISA. While this law is usually less restrictive, individuals should still be cautious when dealing with insurance companies. In state law cases, the beneficiary will likely sue the insurance company in an attempt to prove that their cases does not actually fall into the policy exclusion that the company is claiming.

If you have been the victim of a wrongful denial of a life insurance claim, get a written statement of the reasons for the denial, and seek help from an Illinois insurance attorney. Our firm serves clients across the northwest suburban area, including Schaumburg, Palatine, and Crystal Lake.

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

What to Do if Your Life Insurance Claim is Denied

Web Admin - Tuesday, February 04, 2014

illinois life insurance claim lawyer

The law provides insurance companies with a variety of methods to protect themselves against fraud. Unfortunately, insurance companies may attempt to use these tools to withhold payment on legitimate claims. Two of the common ways that life insurance companies may try to stop beneficiaries from collecting on their claims are by rescission of the policy and denial of the insurance claims
A policy rescission occurs when the insurance company alleges that the person who took out the policy misrepresented material facts about themselves. If successful, this allows the insurance company to withdraw the person’s coverage. Conversely, if an insurance company denies a claim, they do not contest the validity of the whole policy. Instead, they are simply saying that the person’s death fell into an exception in the insurance. While both of these tactics result in a non-payment of the claim, they require different strategies to handle them.

Dealing with Rescission

When an insurance company rescinds a contract, they declare that the entire policy is invalid. One of the most common reasons that an insurance company will give for such a rescission is a “material misrepresentation.” This means that the company claims that the deceased wrongfully answered questions on the application related to things such as their age or medical history. To fight a rescission of this sort, your insurance attorney must prove that the deceased either did not make such a misrepresentation, or that any misrepresentation was not material. 

Fortunately, Illinois law does provide some protection in these circumstances. First, the law requires that the alleged misrepresentation occurred on the actual policy application, and not simply in a conversation with the insurance company. Second, the law forbids insurance companies from rescinding policies more than two years after issuance, except in cases of non-payment of premiums.

Dealing with Denial

An insurance company can deny a claim for several reasons, often because they believe the death falls into a policy exception, or because they believe the person filing the claim is not the proper beneficiary. One common fight over policy exceptions occurs when the insurance company asserts that a person’s wrongful death was actually a suicide, as suicides are ordinarily not covered by life insurance. Overcoming this sort of denial often requires bringing forth evidence to prove that the death truly was an accident.

If you believe that your life insurance policy was improperly revoked or if you had a life insurance claim denied recently, then consider contacting an Illinois insurance attorney today. Our firm handles cases across the northwest suburbs, including in Arlington Heights, Rolling Meadows, and Des Plaines.

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

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
(847) 934-6000

A recent probe of insurance companies conducted by New York State’s Department of Financial Services revealed that, nationwide, insurance companies failed to pay an estimated $1.1 billion in life insurance to beneficiaries. The issue stems, in part, from a lack of communication between policyholders and beneficiaries. If the policyholder never informed the beneficiary that they took out a life insurance policy, the beneficiary would not know to file a claim. This causes problems because insurance companies rely on beneficiaries to report when someone dies in order to claim their benefits.

At least, that used to be the case. Following this probe and similar investigations across the country, including in Illinois, insurers are starting to follow a different set of rules. For instance, in New York, Governor Cuomo signed a law that requires insurers to make routine searches of a death database in order to determine if any new deaths matched policyholders, so that they could start the process of finding that person’s beneficiary.

The Governor introduced this law in order to put to rest the apparently common practice of using such databases to track the deaths of people to whom the insurance company owes monthly checks, without using those same databases to track the deaths of policyholders.

The investigation also prompted more stringent enforcement of rules requiring insurers to turn unpaid benefits over to the state in some circumstances. Many states run unclaimed property departments. These departments hold on to the property, and then it becomes the beneficiary’s burden to track it down. Fortunately, with some careful planning, policyholders and beneficiaries can avoid problems like this.

The easiest way to make sure your loved ones do not have to spend time tracking down an insurance policy is with communication. If you take a life insurance policy out on yourself, tell the beneficiary. While some people can find it unpleasant to discuss or difficult to go into the details of how much they chose to purchase, you do not need to do that. It does not have to be a long, drawn-out conversation. Even just letting them know that you took out a policy, as well as which insurance company they should talk to if necessary, can be helpful.

If you have found yourself involved in an insurance dispute, contact a Palatine insurance attorney today. Call 847-934-6000 to speak to a member of our team. We serve many northwest areas including Rolling Meadows, Chicago, Crystal Lake, Inverness, and other nearby communities.

Recent Posts


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