The Illinois Will Probate Process: Settling an Estate

Web Admin - Friday, September 21, 2018
Arlington Heights estate planning probate lawyerThe passing of assets from one generation to the next is a long-standing tradition, typically governed by a written will. When a person with a large estate dies, a legal process called probate ensures that the terms of the will are properly carried out. The process of probating a will in Illinois is controlled by the Illinois Probate Act and the rules of the circuit court in the decedent’s county of residence.

When an Illinois Will Must Go Through Probate

An Illinois estate must be probated when its total value exceeds $100,000 (excluding jointly-held properties and accounts with named beneficiaries, which transfer automatically upon death).

The Process to Probate a Will in Illinois

1. Petition for Probate - The first step is to file a Petition for Probate with the circuit court. This petition includes the will itself, the current estimated value of the estate, the names and addresses of heirs, and other information necessary to begin settling the estate. The executor named in the will or their appointed attorney must file this petition within 30 days of the decedent’s death and send copies to all heirs.

2. Hearing to Open Probate - The court will conduct a short hearing to officially validate the will and admit the will to probate. At the hearing, heirs may enter their objections to any part of the petition, such as the validity of the will itself, the person(s) designated to administer the estate, or the person(s) designated to act as personal fiduciaries for any underage or disabled heirs. The court will approve the executor and issue letters testamentary that authorize the executor to act on behalf of the estate.

3. Inventory of Assets - The executor has the responsibility to locate and secure all assets of the estate. A written inventory must be made, listing all bank and investment accounts, real estate, and personal property of significant value. Appraisals may be necessary to establish date of death” values for each piece of real and personal property.

4. Payment of Debts and Taxes - The executor must notify all creditors of the decedent and pay outstanding bills, including property taxes and any other expenses necessary to protect the assets of the estate. The estate must remain open for at least six months to ensure that all creditors are identified and paid. The executor must also file final state and federal tax returns for the decedent.

5. Petition for Distribution of the Estate - Upon conclusion of the prior steps, the executor must provide an accounting of their work on the estate, including all receipts and disbursements. The executor will then ask the court for permission to distribute the remainder of the estate according to the terms of the will. (When there is no question that the estate contains more than sufficient funds to pay off all debts, some distribution of assets may occur before the final accounting.) 

Consult a Palatine Estate Planning Lawyer

Ensure that your hard-earned assets are distributed to your heirs according to your wishes. An experienced Barrington estate planning attorney at Drost, Gilbert, Andrew & Apicella, LLC can help you develop an estate plan that will meet your specific goals and, after your death, ensure that your will is probated efficiently. Contact us at 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.


Attorneys Stand to Collect Two Million in Prince Estate - A Matter of Probate, or Excessive Attorney Fees?

Web Admin - Thursday, August 18, 2016

Just days after the announcement of Prince’s death, media coverage revealed that the pop icon had died without a will. It seems strangely out of character, given how obsessively he controlled everything else in his life – copyrights, creative oversight, and releases – but all too true. His estate, his alleged vault of unreleased music, and all that he had worked so hard to build over the course of his life would have to go to probate (a legal process is used to identify, value, and divvy up a person’s assets in the absence of a will).

Attorneys, who have been designated by the estate’s executor, are currently sorting through the estate, trying to determine the value of his assets and determine how they should be divided, and the fees are adding up. As of right now, they are slated to collect around two million dollars (and the cost is still rising). Are these fees justified – simply the cost of having to go to probate – or are they excessive? The following will examine this point and will provide tips on controlling attorney’s fees during the probate process.

Are the Fees Justified?

Without looking directly at the work that needs to be done on the Prince estate, it is difficult to say for certain whether or not the costs are justified. However, the idea of paying out two million for probate on any estate – even one as complex and vast as Prince’s – does seem a little excessive. Unfortunately, now that the attorneys have already done the work, controlling the fees may now be difficult. If the executor had done a little due diligence, things might have turned out differently.

Controlling Attorney’s Fees During Probate

Some states let attorneys charge a percentage fee on the amount of the estate. Illinois is not one of these states. This does not mean that fees do not spiral out of control here; it simply means that you will generally face one of two fee schedules for a probate case: a flat fee, or an hourly one. Each has its own advantages and disadvantages, and you must understand them in order to avoid overcharging on your probate case.

Hourly fees can quickly get out of control, especially if they are following a commonly used minimum increments. For example, if your attorney spends two minutes on a phone call on behalf of the estate, they may charge you for six minutes (one-tenth of an hour). This makes it critical that you take the time to review the minutes you are charged for, and that you inquire about anything that does not make sense to you.

Flat fee attorneys do not charge hourly, so you do not have to worry as much about the “billable hours.” This can make for a more relaxed experience, but you might also be surprised to learn that certain elements are not covered in your fee. Make sure you understand what expenses are covered and which might be considered “extras” in your case (i.e. postage, filing fees, appraiser fees, etc.).

Regardless of which type of attorney you decide is most appropriate for your probate case, you should always request a fee agreement that outlines when and how you will be billed for services rendered. This agreement should cover:

- The type (hourly or flat) and the amount;
- An estimate of the overall cost for your case or number of hours );
- Who your contact will be with the law firm;
- How costs and expenses will be described in the billing process;
- How frequently you will be billed; and
- When payments will be due.

Our Attorneys Offer Affordable, Quality Legal Representation

At Drost, Gilbert, Andrew & Apicella, LLC, we understand how frustrating it can be to watch attorney’s fees rack up. That is why we offer skilled but affordable estate planning services to our clients in Arlington Heights, Long Grove, Barrington, and the surrounding areas. Dedicated to your interests, and to ensuring that your case is handled with the utmost level of care, we use creative and innovative solutions to improve the outcome of your case. Contact our Kenilworth estate planning attorneys today for more information.

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.


New Illinois Law Affects Gifts to Caregivers

Web Admin - Thursday, November 13, 2014

Illinois caregiver probate, Schaumburg probate lawyerDrafting a will is an important step towards ensuring that a person's final wishes can be accurately carried out. However, there have been recent cases of elderly testators succumbing to the undue influence of caregivers or other people close to them, and altering their wills in ways that they would not ordinarily want to. In order to better protect the interests of people drafting wills and other documents to memorialize their last wishes, Illinois has passed a new law that alters the way that courts treat gifts to caregivers if someone contests the validity of the document.

Presumptively Void Transfers

In the event that someone legally challenges a bequest to a caregiver of more than $20,000, the court will apply a “rebuttable presumption” that the transfer is void. A void transfer would not go through and would instead be redistributed under other provisions of estate law. However, not all large gifts to caregivers would be void under the law. The law instructs the court to use a rebuttable presumption, which means that the caregiver is allowed to argue that the transfer was valid and should go through normally.

What the presumption does, essentially, is forces the caregiver to fight an uphill battle if he or she wants to claim the money. The caregiver would need to show by “clear and convincing evidence,” a higher than normal standard, “that the transfer was not the product of fraud, duress, or undue influence.” The caregiver also has another option to demonstrate the validity of the will. If the caregiver can show that the gift's size is no greater than it would have been before he or she became the caregiver, then he or she can overcome the presumption.

When the Law Applies

The law contains a variety of cutouts and definitions that make it more clear when the law does or does not apply. For instance, the law provides an exception for family members who act as caregivers. They will not have to face the presumption of voidness, though they do still need to deal with ordinary issues of fraud and duress. The law also sets out a definition of the types of documents that the rule applies to, which the law refers to as transfer instruments. According to the law, a transfer instrument is a document designed to cause a transfer of assets on or after the date of the transferor's death. These instruments can be wills, trusts, or contracts, among a variety of other types of legal documents.

If you believe that a family member's will was improperly tampered with by a caregiver, seek the help of a dedicated Schaumburg, Illinois probate attorney today. Our firm can help you learn about the options you have to make sure that your family member's final wishes are carried out properly. We assist clients in Inverness, Palatine, Arlington Heights, and throughout the Chicagoland suburbs.

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


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