3 Reasons Why a Living Trust Is More Beneficial Than Just a Will

Web Admin - Wednesday, January 23, 2019
Des Plaines living trust lawyerIf you wish to leave a legacy to your children or other beneficiaries after your death, it is imperative that you have an estate plan that will ensure prompt and accurate distribution of your assets. Many people think that writing a will is the best way to do this. However, while a will is important, putting your assets into a revocable living trust can provide several additional benefits.

Avoid the Illinois Probate Process 

In order to distribute assets according to the terms of a will, the will must go through the probate process. This involves filing various court documents required by law to establish the value of each asset and to re-title each asset from the deceased’s name to the recipient’s name. This can be a long, drawn-out process.

Secure Adult Heirs’ Immediate Access to the Estate

One of probate’s most serious drawbacks is the freezing of assets. Specifically, any assets that are held solely in the name of the deceased are frozen upon their death. Imagine a married couple who amassed several large investment and retirement accounts and multiple pieces of real estate during their lifetime. Upon the death of both spouses, their children cannot touch any of the assets until a probate court judge approves the will and appoints a Personal Representative to handle the estate. Leaving large investment accounts without active management can be risky.

By comparison, imagine that all of the couple’s assets had been placed in a living trust, meaning that the assets are titled in the name of the trust rather than in the name of any individual. Upon the death of the trust-maker, their designated successor has immediate access to the assets of the trust.

Secure Assets for the Long-Term Benefit of the Family

Imagine our married couple has three children and has a will. Upon the death of both spouses and probate action, the assets of the estate must be divided amongst the named heirs. Assuming the estate is to be divided equally among the three children, the inherited assets are now at risk to creditors, bankruptcy, a lawsuit, or a divorce. 

Creditors. If the married couple had all of their assets in a trust, ownership of those assets can remain titled in the name of the trust indefinitely. Because the assets are not titled in the individual children’s names, the assets are protected from creditors, even if one child files for bankruptcy or gets divorced. The beneficiaries named in the trust will have access to the assets in accordance with the directions specified in the trust documents. 

Heirs with disabilities. Upon the death of the spouses, one child (or an objective third party such as a bank) could be named as the successor trustee with directions to manage the trust in a certain way. This approach can be used to ensure that the use of the assets is prioritized in some way, such as to meet the basic needs of a child or grandchild with a disability. Keeping the assets in the trust can also serve to protect the right of a disabled heir to receive needs-based government benefits.

Underage heirs. Keeping the trust open with a successor trustee can also be beneficial for heirs who have not yet reached adulthood. When a will leaves assets to a minor, the probate court must appoint a conservator to manage the minor’s assets. Once our fictional married couple has died, there is no telling who that conservator might be and what decisions they might make. In contrast, assets left in a trust can be managed according to specific directions written into the trust. Thus, the maker of the trust can dictate when and for what purposes a youthful (or even as-yet unborn) heir can access their inheritance.

Consult a Palatine Revocable Living Trust Lawyer

A well-thought-out living trust can give you greater peace of mind and benefit your heirs in the long run. To discuss options for writing or updating a living trust, call an experienced Schaumburg living trust attorney at Drost, Gilbert, Andrew & Apicella, LLC. We have prepared living trusts for many high-asset families with complex issues of inheritance. To set up a free initial consultation, call 847-934-6000.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.


Why You Need an Estate Plan Even If You Do Not Have Children

Web Admin - Thursday, January 11, 2018
Palatine estate planning lawyerFinancial advisors and attorneys often tell their clients that estate planning is an essential part of anyone’s financial plan, ensuring that their assets are correctly distributed to their heirs after their death. But how does this apply to people who do not have any children? If you are not concerned with providing for your descendants after you are gone, you may not feel that an estate plan is necessary. However, it is still important to have a plan in place that will protect your assets both before and after your death.

Creating a Will

When someone dies intestate (without a last will and testament in place), their assets will be distributed according to Illinois’ intestate succession laws. If someone has no descendants, their entire estate will go to their spouse. If they do not have a spouse, the estate will be divided among their parents and siblings, or among their closest surviving relatives. If no relatives can be located, the estate will go to the State of Illinois.

Even if you do not have children, you will likely want to have some say in who will inherit your property after you die. Creating a valid last will and testament will ensure that your assets are distributed according to your wishes, whether you plan to leave them to your spouse, family members, friends, or charitable organizations.

Another benefit of a will is that it names an executor who will handle the distribution of your property to your heirs. Without a will in place, a probate court will appoint an administrator of your estate, and extensive court proceedings may be necessary to resolve any disputes over the distribution of your assets. Creating a will that clarifies your intentions and names a person you trust to oversee your estate will ensure that your wishes are carried out correctly.

Holding Assets in a Living Trust

Another benefit that estate planning can provide is ensuring that you will have the financial resources you need as you near the end of your life. A living trust is a good way to protect your assets, giving you control over them while also specifying who will handle them and how they should be used to care for you if you should ever become incapacitated or disabled, as well as how they should be distributed after your death.

One of the key benefits of a trust is that it simplifies the distribution of property after your death, since assets held in a trust are not subject to probate. In addition, while the contents of a will are part of the public record, a trust is confidential, providing privacy to both you and your heirs.

Contact a Rolling Meadows Estate Planning Attorney

If you want to know more about the benefits that estate planning can provide to you and your loved ones, the attorneys at Drost, Gilbert, Andrew & Apicella, LLC can help you understand the benefits of a will or trust and work with you to draft the documents that give you and your family the financial security you need. Contact our Palatine estate planning lawyers today at 847-934-6000 to schedule a personalized consultation.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.


Modern Family Estate Planning – Why Use a Living Trust?

Web Admin - Friday, October 20, 2017

Arlington Heights wills and trusts attorneyToday’s family looks much different than those from just 50 years ago. People no longer feel obligated to stay in a marriage that is not working, divorcees sometimes remarry, partners opt for cohabitation over remarriage, and there may be children from one marriage or both. While, in many ways, blended families are a positive thing – especially for kids – it does make estate planning much more complicated than it once was. A living trust can mitigate against many of these issues. Learn how with help from the following.

Potential Blended Family Pitfalls

People can cause some serious problems by either not having an estate plan or creating an ineffective one. The chief issue is that heirs could experience unnecessary financial difficulty while trying to muddle through the expensive and arduous probate process. Several other pitfalls must be addressed as well, however, especially in blended family estate planning. Consider some of the following possible examples:

- A father intended to leave everything to his children, but he failed to check his beneficiaries and update his estate plan. His home and other assets ended up going to his former wife. 

- A step-child expected to receive an inheritance, but the estate plan was unclear and state law does not provide for step-children. They receive nothing;

- A child inherits their father’s antique rifle, but it was promised to another child from a previous marriage;

- A husband dies and leaves his assets to his wife. When she passes away, she leaves everything to her children from a previous marriage. His children inherit nothing.

A Living Trust Can Mitigate the Risks

While it may be impossible to remove all risk of heirs fighting over an inheritance, there are several strategies that guarantors can use to mitigate against the possible damage of probate, tax consequences, family squabbles, debtors, and other common issues. The most effective tool is the living trust (revocable, irrevocable, marital, etc.). Each type works a little differently, but the primary goal is to ensure that the right person receives the right assets. Set up properly, a trust can also mitigate against spendthrift issues, ensure that even extended branches of family receive assets, and can even be specifically designated for certain expenses or needs (such as with college students, special needs children, or an ex-spouse who happens to be the other parent of your minor child). 

Why Plan Now?

No one wants to think about their death or the death of their spouse, and many dream of the death of their ex-spouse - which is why it can be easy to put off planning for it until you start to age. Sadly, not planning now can have severe consequences if an accident or incapacitation occurs to you, your spouse, or your ex-spouse. Avoid the consequences of ineffective and non-existent estate plans by contacting an experienced wills and trusts lawyer today.

At Drost, Gilbert, Andrew & Apicella, LLC, we work in your family’s best interests. Dedicated and experienced, our Arlington Heights wills and trusts attorneys wills and trusts attorneys can handle even the most complex of situations with skill. Call 847-934-6000 and schedule your personalized consultation today.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.


Recent Posts


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