What Is the "Prudent Investor Rule" in the Illinois Trust Code?

Web Admin - Thursday, January 23, 2020
Inverness estate planning attorney Illinois Trust CodeThe Illinois Trust Code (ITC) went into effect on January 1, 2020, replacing the former Illinois Trusts and Trustees Act and implementing a number of changes that affect trust makers, trustees, and beneficiaries. One notable adjustment is known as the “prudent investor rule,” and it affects a trustee’s ability to make investment decisions regarding the assets in a trust. Before any investment actions are taken by a trustee, it is important to review and understand the rights and responsibilities defined in the ITC.

Understanding the Prudent Investor Rule

Trustees are responsible for investing and managing the assets of a trust, and they have the duty to act prudently when making investments. This includes considering the purpose and terms of the trust, the distribution requirements, and other relevant information. Under the ITC, a trustee may also consider the environmental and social impact of investment decisions, as well as the governance policies of entities where assets are invested. Before making an investment, a trustee should consider:

- The economic conditions that may affect the investment
- The possibility of inflation or deflation
- The anticipated tax costs and consequences of the investment
- How a specific investment can affect the overall portfolio
- The anticipated total return
- The duty to sustain only feasible and suitable costs
- The need for liquidity, regular income, and preservation of capital

The ITC does allow a trustee to examine whether a trust asset has a relationship to the purpose of the trust, or to one or more of the beneficiaries, in order to help determine what to do with the asset. For example, if a trustee believes that real estate property held in a trust is of no value to the trust itself or the beneficiaries, he or she may suggest that the property be sold. A trustee is not eligible to become a beneficiary for the purpose of protecting his or her good faith in connection to the trust.

Contact a Mount Prospect Trust Attorney

The ITC has put a wide variety of rule changes in place. For trustees who manage the assets of a trust, it is imperative to understand how the prudent investor rule affects the decisions they make. To protect against liability or any other legal issues, all trust makers and trustees should seek legal counsel to determine how the ITC will affect them. At  Drost, Gilbert, Andrew & Apicella, LLC, our knowledgeable South Barrington estate planning lawyers can help you understand your rights and responsibilities and address any concerns you may have as a trust maker, trustee, or beneficiary. To schedule a free consultation, contact our office today 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.

How Is Exculpation of Trustees Addressed Under the New Illinois Trust Code?

Web Admin - Monday, December 30, 2019
Mount Prospect estate planning lawyer Illinois Trust CodeAs the new year begins, many trust owners (grantors) and trustees are familiarizing themselves with the Illinois Trust Code. As of January 1st, 2020, Illinois has adopted a new set of governing rules over trusts that will be linked to the Uniform Trust Code (UTC). This law involves many changes and updates to the rules surrounding trusts, and one area that has been affected is the modification of exculpation clauses. Moving forward, both grantors and trustees should consult a legal professional to either create, adjust, or better understand their trusts. 

What Does Exculpation of a Trustee Mean?

An exculpatory clause is a provision that can be added to a trust that would relieve a designated individual from responsibility for certain actions. Under the Illinois Trust Code, the exculpation of a trustee would relieve him or her of any liability for a breach of the trust. However, trust relieving will be unenforceable if it is determined that the exculpatory term:

- Absolves a trustee of liability that is committed with deceitful intentions or with carelessness to the purpose of the trust or the interests of the beneficiaries.
- Was inserted because of a trustee’s abuse of a legal or confidential relationship with the grantor. 

Unless the trustee can prove that the exculpatory term was justified under the current situation and that it was adequately communicated to the grantor, the term will be found invalid. For example, if a trustee purposefully acted in a way that was determined to be against the trust in an effort to benefit themselves, that trustee could be responsible for his or her actions.

What Is Changing?

Under previous Illinois law, a grantor of a trust was able to exonerate a trustee from personal liability by including an exculpatory clause into the trust. Although exculpatory clauses can still be used under the Illinois Trust Code, there is now a presumption that they will be found invalid if the trustee created or forced the clause to be added. In order to prove that an exculpatory clause is legitimate, a trust maker should be represented by a third-party counsel during the drafting of the trust.

Contact a Riverwoods Estate Planning Attorney

Due to the significant changes that have been implemented under the Illinois Trust Code, it is important for trust makers and trustees to understand the new policies. If you wish to add an exculpatory clause, or if there has been a breach in your trust, you should work with an attorney to determine your legal options. At Drost, Gilbert, Andrew & Apicella, LLC, our experienced Barrington trust lawyers can work with you to ensure your trust meets the requirements of Illinois law. For a free consultation, call our office today 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.


When Can a Trustee Be Held Personally Liable for Acts Done While Acting As a Trustee?

Web Admin - Tuesday, February 23, 2016

trustee held personally liable, Illinois Trust AttorneysAs a trustee, you are responsible for managing the trust and working with the beneficiaries. You have a fiduciary duty, or a legal obligation, to act solely in the interest of the beneficiaries by fulfilling the instructions of the trust as the trustor has required. A trustee must be respectful and careful, loyal, and impartial when serving as the trustee, and cannot take advantage of his or her trusted position to self-deal or glean benefits for him or herself from the trust. Developing a full understanding of what the legal obligations are as a trustee can be confusing, especially if you have limited legal experience dealing with trusts. An experienced estate planning and trusts lawyer at can assist you. 

A Breach of Fiduciary Duty Opens Trustees Up To Personal Liability

Trustees can be held personally liable for acts, or failures to act, as a trustee when the trustee does not carefully and diligently adhere to the trustee’s duties. When a trustee commits a breach of his or her fiduciary duty, the trustee opens him or herself up to liability for his or her actions taken while acting as the trustee. Examples where a trustee can be held personally liable for acts done while acting as a trustee include the following:

- A trustee may be held personally liable if there is a conflict of interest biasing the trustee’s judgment when it comes to the interests of the trust. Self-dealing, or making decisions or investments using the trust’s funds that in some way benefit the trustee either directly or indirectly will expose the trustee to liability;

- A trustee can be held personally liable for any interest and/or penalties that accrue for taxes filings that are made late. Liability exists because filing the appropriate tax forms on behalf of the trust is a responsibility that lies with the trustee. 

- A trustee could be held financially liable for losses on stock diversifications on behalf of the trust, or a failure to diversify, if losses are substantial. The trustee has an obligation to serve in the best interests of the trust beneficiaries, and failing to diversify when stocks are concentrated in a single company can lead to a significant loss in value of the trust. 

- A trustee can be held liable for commingling personal finances and the trust finances, especially in situations where the trustee is a family member to the beneficiaries. A trustee can avoid the appearance of impropriety by maintaining clear and thorough accounting records of the finances of the trust, and clear documentation regarding his or her personal finances. 

Speak with an Illinois Estate Planning Lawyer Today

If you have concerns that your trustee is in breach of his or her fiduciary duties, or if you are a trustee with concerns about a course of action for the trust you manage, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our firm serves the communities of Inverness, Palatine, Schaumburg, Arlington Heights, Long Grove, Kenilworth, Riverwoods, Barrington, South Barrington, and Mount Prospect.

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.

Source: http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2129&ChapterID=61

Trust Payments and the Capital Gains Tax

Web Admin - Wednesday, August 27, 2014

capital gains tax in IllinoisThe capital gains tax exists as a way for the government to tax the income that flows to investors from certain investments. In general, the capital gains tax applies to the sale of most assets other than inventory. This includes the sale of things like stocks, bonds, and real estate. The current capital gains tax rates vary depending on a person's income bracket. According to the IRS, the capital gains tax for people in the 25 percent, 28, percent, 33 percent, and 35 percent income tax brackets would be 15 percent.

People paying taxes in the highest bracket, 39.6 percent, would pay 20 percent in capital gains tax, and people in the other, lower tax brackets do not pay capital gains tax at all for most capital gains income. Additionally, the Affordable Care Act also introduced a further 3.8 percent tax on capital gains income for people earning either $200,000 a year as single filers, or $250,000 a year as married filers, which went into effect at the start of 2013.

This capital gains tax can interact with trusts in complex ways, and trustees should be aware of the issues created by the capital gains tax and trusts. First, trustees should be aware of how capital gains affects the way that they manage K-1 tax forms. Second, trustees should keep in mind the interaction between capital gains and the income distribution tax deduction that trusts are allowed to take.

K-1 Forms

K-1 forms are a type of tax form that exists to help the owners of pass through entities fill out their personal income tax returns. Pass through entities are entities like S corporations and some LLCs that do not pay taxes themselves, but instead pass the taxes on to the owners. Trusts, strictly speaking, are not actually pass through entities since the trust is responsible for paying some taxes, but the beneficiaries may also owe taxes based on distributions to them from the trust, so they often receive a K-1 form. As far as the need to report capital gains income on a K-1 form, that depends on the specifics of the trust. As a default rule, the capital gains and losses stay with the trust itself, but the trust instrument may choose to pass those along to the beneficiaries, which would result in the trustee needing to add them to the K-1 form.

Capital Gains and the Income Distribution Deduction

Capital gains may also have an effect on the trust's income distribution deduction, a tax deduction that trusts may take for amounts paid to an income beneficiary. The income distribution deduction is equal to the lesser of either (1) the distributions minus tax-exempt income or (2) the “distributable net income” minus tax exempt income. Capital gains may affect this distribution because it figures into the calculation of distributable net income under several circumstances, most commonly if the trust requires the trustee to distribute the gains to the beneficiaries.

Managing a trust is a complex task from both a legal and financial perspective. If you have questions, seek help from an experienced Illinois estate planning attorney. Our firm's skilled lawyers serve clients in many northwest suburban towns such as Inverness, Barrington, and Kenilworth.

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


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