DGAA bLAWg

When to Call an Attorney to Solve a Life Insurance Dispute

Web Admin - Wednesday, October 17, 2018
Des Plaines life insurance claim lawyerFollowing a death in the family, you could easily find yourself facing a stack of bills and insufficient income to cover them. This can happen even if you have been a careful money manager. If a life insurance payout does not come quickly enough, you could experience severe financial stress on top of everything else. But how do you know when you need the intervention of a lawyer to help you collect on a life insurance policy? Here are a few warning signs to watch out for:

Has it been more than 30 days since you submitted your claim?


Following a death, you must contact the life insurance company and open a claim. Then, you must submit the death certificate and any other documentation and signatures required by the insurance company. When you have completed the claims process, the company should deliver payment to you within a few weeks. If you have contacted the insurance company several times and still have not received payment after 30 to 60 days, and you have not received a clear explanation for the delay, you may need an attorney’s help to cut through the red tape and put some pressure on the company to approve your claim.

Did you buy the life insurance policy less than two years ago?


Life insurance policies typically include a “contestability” clause that allows for policy cancellation and claims denial if, within two years of issuance, the insurer discovers that any material fact was not disclosed during the application process. If the insured dies within two years of obtaining the insurance policy, their original application and other documentation may be carefully examined to see if there were any “material misstatements or omissions.”
 
For example, if the insured person failed to disclose any medical conditions (e.g., a serious illness such as diabetes, high blood pressure, or depression) or habits (e.g., use of drugs, alcohol, or tobacco), this could lead to a denial of your claim.

The insurance company could spend months evaluating medical records, credit reports, motor vehicle reports, and so on, looking for evidence of a material misrepresentation and a reason to deny your claim. If the two-year contestability period is a factor in your claim, you may need an attorney to speak to the insurance company and convince them that your claim is valid.

Did the insurance company send you a letter of denial?


A life insurance claim may be denied for reasons such as “non-accidental death” or because the policy was rescinded. In many cases, a skillful insurance attorney can help get that denial reversed by conducting an independent investigation of the facts of your case and making a forceful argument to the insurance company.

Consult a Des Plaines Life Insurance Dispute Resolution Attorney 


If you are having problems collecting on a life insurance policy, the intervention of a knowledgeable Palatine life insurance lawyer can help. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC will slice through whatever obstacles are standing between you and your insurance payout as quickly as possible. Contact us at 847-934-6000. We serve clients throughout the northwest suburbs, including Arlington Heights, Buffalo Grove, Crystal Lake, Barrington, and Schaumburg.

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



Sources:
https://www.aigdirect.com/about-life/managing-your-policy/how-to-file-a-life-insurance-claim
http://illinoisinsurance.org/consumers/news-updates/be-truthful-your-life-insurance-application-protect-loved-on
http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&ChapterID=22

Potential Reasons for the Denial of a Life Insurance Claim

Web Admin - Monday, May 14, 2018
Deer Park life insurance claim attorneyWhile few people like to think about death, the fact remains that everyone will die at some point, and many people make plans for this eventuality and ensure that their loved ones will be provided for after their death. A life insurance policy can offer peace of mind in this regard, providing the promise that one’s family members will receive benefits after their death. However, it is important to be aware that insurance companies may deny life insurance claims for a variety of reasons, including:

- Unpaid premiums - If a person fails to pay the premiums on their policy, the policy may lapse, and the insurance company may terminate the policy and deny any claims. However, insurance companies are required to send notice to a policyholder and provide a 30 day grace period before canceling a policy.

- Type of death - Some policies include exclusions for deaths that occur in certain situations. For instance, many policies exclude suicides from coverage for a certain period of time, and policies may also contain exclusions for a death which occurred as an act of war or when a person was participating in high-risk activities such as skydiving or mountain climbing. A claim may also be denied if someone died while participating in criminal activity.

- Health issues - Life insurance policies often contain a period of contestability, which is usually the first two years after the policy was initiated. If a person is found to have certain health issues, such as high blood pressure, after dying within the contestability period, the insurance company may deny the claim.

- Living outside the U.S. - Many policies only provide coverage if a policyholder is living in the United States at the time of their death.


The primary reason claims are denied is because of material misstatements made by a policyholder on their life insurance application. These types of statements may include incorrect or omitted information about a person’s health, including any chronic conditions, unhealthy habits (such as smoking), or other medical issues. To avoid the denial of a claim, it is important to be truthful on an application and provide complete answers to all medical questions.

Contact a Buffalo Grove Life Insurance Attorney

When your family has a life insurance policy, you expect to be able to receive the benefits from this policy in the event of a family member’s death. If your claim has been denied, the attorneys of Drost, Gilbert, Andrew & Apicella, LLC can help you understand your rights and work to ensure that you receive the benefits you deserve. Schedule a personalized consultation with an Arlington Heights insurance dispute lawyer today by calling 847-934-6000. 

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



Sources:
https://www.nerdwallet.com/blog/insurance/life-insurance-policy-reject-claim/
https://www.truebluelifeinsurance.com/7-ways-life-insurance-will-not-pay-out/
https://www.protective.com/learning-center/life-101/important-facts/3-reasons-why-your-life-insurance-claim-could-be-denied/

What to Expect When Suing an Insurance Company

Web Admin - Thursday, September 11, 2014

insurance lawsuit, Palatine insurance lawyerPeople purchase insurance with the goal of protecting themselves in the event that something unfortunate happens. However, no matter how hard people try to understand their policies and the limitations on them, many people face situations where they feel that the insurance company should be compensating them, but the company refuses. When this happens, people have a variety of options.

First, they can enter into an internal appeals process. Most insurance companies have a function that allows other employees of the company to review refusals and determine if they were warranted. If that fails, then the Illinois Department of Insurance also investigates some insurance-related issues. Alternatively, people with issues that neither of those strategies can solve may need to sue their insurance company if they want to see the compensation that they have already paid for. It is important for people to understand the process of a lawsuit and the length of time that it may take. Insurance companies are expert litigators, and they may drag the process out.

Understanding a Lawsuit

The beginning part of the process for filing a lawsuit against your insurance company involves hiring a lawyer and filing a complaint against them. The complaint is a legal document that triggers a lawsuit, and lays out the general allegations against the insurance company. Once this happens, the insurance company is allowed to respond with a document called an answer. The answer takes each fact asserted by the complaint and either confirms or denies them, so that both parties understand what is in dispute. Once this happens your lawyer and the insurance company lawyers will engage in discovery.

Discovery is a legal process in which both sides ask the other side questions to better understand the facts. This is mainly done through requests for documents, written questions called interrogatories that the other side has to answer, and depositions, which are in-person interviews. The majority of lawsuits end at some point during this phase. As more information comes out, both sides begin to understand their chances of winning at trial, and they likely reach a settlement. In the event that there is no settlement, the case moves to trial where both sides' attorneys present their arguments to the judge, who eventually makes the final legal decision.

Your Part in the Process

Not every step in that process will require the client's involvement. Initial interviews will need to be done for the attorney to get a picture of the case, and there will also be periodic conferences as new facts appear or the case moves forward. The most intensive piece that the client will need to do is prepare for a deposition in case the insurance company wants to depose them. This may require working with the client's attorney to better understand the types of questions that they company may ask, so that the deposition goes smoothly.

If you are currently having an issue with an insurance company and would like to file a lawsuit against them, contact a dedicated Illinois insurance dispute attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, we represent clients in many northwest suburban towns including Inverness, Palatine, and Schaumburg.

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

How to Handle a Denied Insurance Claim in Illinois

Web Admin - Tuesday, May 13, 2014

illinois denied insurance attorneyPeople purchase insurance coverage to protect themselves when something goes wrong. Depending on the type of insurance, claims can be paid out for health issues, auto accidents, home repairs, or deaths in the family, among other things. These are already stressful events. A denied insurance claim merely serves to add more stress and difficulty to an already trying situation. The reasons for such a denial can be varied and depend on the type of insurance in question, but in these situations consumers have options available to them to contest the insurance denial.

Reasons for a Denial

The reasons for an insurance company to deny a claim on a policy vary greatly between different types of insurance. For instance, a company providing a life insurance policy may reject a policy claim based on a belief that the person’s death was actually a suicide, or a company providing health insurance could reject a claim made for a specific treatment by arguing that the treatment was not actually medically necessary. However, there are also some grounds for a denial that span across the insurance industry. One of the most common is a “material misrepresentation,” which means that the company believes that the policyholder lied or withheld important information during the application for a policy.

Exactly what qualifies as a material misrepresentation changes from industry to industry. Health or life insurance companies would argue that hiding a prior medical condition may be a material misrepresentation, while an auto insurance company would be more concerned with a past accident. Furthermore, any of these reasons could just be a pretext for a “bad faith” denial, which means that the insurance company privately believes that the policyholder has a valid claim, and simply does not want to part with its money.

Contesting a Denial

Policyholders facing a denied claim do have options available to them. The process will likely begin with the insurance company’s internal appeals process. This may involve letter writing, phone calls, or in-person interviews where the policyholder explains their position. It can be advantageous to consult a lawyer at this point for two reasons.

First, the insurance company may have lawyers involved at this stage, so it evens the playing field. Second, if the issue does proceed to a lawsuit, the lawyer will already know the case’s history and they may be able to prevent early missteps that would cause problems in litigation, which would be the next step if the internal appeals fail. The one exception to this is in the case of health insurance. Illinois recently passed a law allowing policyholders to apply for an independent external review in the case of a denied health insurance claim.

If you are dealing with a denied insurance claim, you do not need to do it alone. Reach out to a skilled Schaumburg insurance dispute attorney today. Our team represents clients across the northwest suburbs, including in towns such as Crystal Lake, Arlington Heights, and Buffalo Grove, Illinois.

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

Insurance Agent Negligence: The Duty Agents Owe to Their Customers

Web Admin - Tuesday, March 04, 2014

illinois insurance agent negligence lawyerInsurance agents often act as a person’s main point of contact throughout the process of procuring an insurance policy. This means people are relying on insurance agents to do their job thoroughly, carefully, and professionally. To that end, the law imposes a duty of reasonable care on insurance agents to ensure that they perform their jobs accurately. 

The fact that agents have this duty means that if the agent harms a customer through their negligence, they may be liable to that customer in court for the damage that their insurance negligence caused. Generally speaking, these sorts of claims for negligent errors and omissions come in two forms: improperly filing or filling out insurance paperwork, and failure to properly counsel the client on the type of insurance they need.

Types of Insurance Agent Negligence

Insurance agent negligence often occurs in an agent’s clerical capacity. An agent must exercise reasonable care in the filling out of insurance paperwork to make sure that the insurance company provides coverage and that the policies are properly updated. An example of this sort of negligence in the realm of car insurance would occur if a person wanted to add someone to their insurance policy, and yet after informing the agent, the agent never properly filed the paperwork to add them to the policy. If the new person, who should be covered under the insurance, was in a car accident, the agent would be liable for the person’s lack of coverage.

Insurance agents also have a duty to exercise ordinary care when advising clients about the types of policy they need, along with possible limits and exemptions of the policy. This claim comes up often in the case of policy exclusions, which are special circumstances in the insurance policy for which the company refuses to pay. These exemptions can often be long and complex, which means that the insurance agent may be liable for negligently advising the customer if they do not make the exclusions clear. 

For an example of this, consider a person buying homeowner’s insurance who explicitly wants coverage for every item in their home in the case of a fire. If an agent provides them a policy that excludes jewelry or some other class of property, the insured might have a claim against the agent for negligent errors and omissions.

The Statute of Limitations

Statutes of limitations are time limits that the law places on people looking to file lawsuits. In the case of insurance agent negligence, Illinois law limits people to two years to file the suit once the person has a cause of action. However, that time limit can be deceptively complicated since it does not say when a person has a cause of action. Generally, courts start the clock running once the insurer first takes a position that runs against the insured’s expectations. That can mean in some cases the insured needs to act quickly, since it is possible that their underlying insurance case will not even be finished before the statute of limitations related to the agent expires.

If you believe you have been the victim of insurance agent negligence, find an Illinois insurance attorney near you. They can help protect your rights in court and ensure that you recover fair compensation for the harm done by negligent insurance agents. Our firm represents people across the northwest suburban area, in towns like Rolling Meadows, Buffalo Grove and Barrington.

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

Appealing a Denial of Accidental Death Benefits

Web Admin - Tuesday, February 18, 2014

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

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

Contesting a Denial

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

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

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

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

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

What to Do if Your Life Insurance Claim is Denied

Web Admin - Tuesday, February 04, 2014

illinois life insurance claim lawyer

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

Dealing with Rescission

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

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

Dealing with Denial

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

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


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

Recent Posts


Tags

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

Archive