What Is Included in an Illinois Living Trust?

Web Admin - Thursday, December 31, 2020

Kenilworth estate planning attorneyWhen someone passes away, there is a legal process for administering and managing his or her estate, which is often referred to as estate administration. Instead of creating a will that outlines how assets will be distributed after death, a person can put those directives in another document, called a living trust. A trust is a legal document that designates a person or corporation to act as a trustee to administer the trust property according to the trust instructions. The individual who drafts the trust is considered the “grantor” or “settlor.” Those who receive assets or income from the trust are known as “beneficiaries.” The individual who is assigned as the trustee has a responsibility to uphold and manage the trust property for the beneficiaries named in the trust document. If you or someone you know is considering establishing a trust, an experienced estate planning attorney can help you draft this important legal tool.  

The Difference Between a Will and a Trust

A will only takes effect upon a person’s death. A living trust becomes valid during the grantor’s lifetime and can be either revocable or irrevocable. A living trust designates a trustee and explains the steps for administering the trust during a person’s life in addition to after his or her death. It is important to note that the trust document simply sets up the trust, which remains empty until assets are placed into the trust.

An individual can be the sole beneficiary of his or her trust while he or she is living. Alternatively, he or she can name a spouse or children as other beneficiaries. In the event the grantor becomes incapacitated due to a serious illness or injury, the trust designates a successor trustee to manage the assets. Upon the grantor’s death, the living trust instructs the distribution of assets like it would in a will. These assets may include cash, life insurance policies, individual retirement accounts (IRAs), stock portfolios, real estate, and other business interests. By putting who gets what into writing can prevent arguments or disputes between family members who believe they are entitled to any assets. 

The Benefits of a Living Trust

The benefits of a living trust include avoiding going to court for probate and guardianship proceedings (in the event a minor is involved). A living trust can be especially useful when someone owns real estate property in more than one state. Generally, real estate is probated in the state where it is located. There are people who may own real estate in one or more states, which usually requires probate to be administered in the owner’s home state. However, probate must also be conducted in any other state in which a person has property. Since probate is not necessary for property that is held in a trust, homeowners can forgo this additional administration as long as the out-of-state real estate is included in the living trust.

Unlike a will, a living trust is private since it is not a public record. 

Contact a South Barrington Estate Planning Lawyer

Thinking about and planning ahead for your future is important to prevent disputes among family members upon your death or if you become incapacitated. Depending on your circumstances, you may want to create a living trust instead of a will. Drost, Gilbert, Andrew & Apicella, LLC, are well-versed in Illinois law pertaining to estates. Our accomplished Long Grove estate planning attorneys will help you draft and review these essential legal documents. Call our office today at 847-934-8000 to schedule a free consultation.

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



Self-Directed IRA Accounts

Web Admin - Tuesday, June 14, 2016

self-directed IRA accounts, Illinois Estate Planning Attorneys

Often times, as real estate and estate planning attorneys, our clients ask us about owning or purchasing property through a self-directed IRA account. Here is a brief synopsis of how a self-directed IRA works.

Self-Directed Individual Retirement Accounts (IRA) are like traditional IRAs in that they are designed to allow investments to grow tax free or tax deferred over time. However, self-directed IRAs allow people to make alternative investments. The variety of investment options that are available for a self-directed IRA exceed the investment options of traditional IRA accounts.

How Do I Set Up A Self-Directed IRA Account? 

There are several steps involved in setting up a self-directed IRA account. 

1. The account must be established and funded. Like any IRA, you must sign up for the account with an investment firm or broker. The IRS requires that self-directed IRAs be held by a trustee on behalf of the IRA owner. Once you have signed up with a trustee or custodian, you will need to fund the account with initial capital so that you can make investments with your self-directed IRA account. The self-directed IRA account can be funded with new capital or a transfer from an existing IRA account. 

2. Choose an investment opportunity. You may choose what investment opportunity you would like your self-directed IRA funds to go into. There are many different types of assets that self directed IRAs can be used to invest in, yet there are also certain assets that specifically cannot be invested in by using a self-directed IRA. 

3. Request that the funds be made available from your self-directed IRA to make the investment purchase. Working with your self-directed IRA custodian or trustee, you can request that your self-directed IRA funds be made available to purchase your desired asset. The trustee or custodian will manage the transaction for you. 

4. Manage your self directed IRA investments. Again, by working with your self-directed IRA trustee or custodian, you can manage or sell your self-directed IRA investments. All transactions must be run through your self-directed IRA in order to remain in compliance with the IRS regulations. 

What Can I Own in My Self-Directed IRA Account? 

Self-directed IRAs can include investment options such as: 

- Stocks; 

- Bonds; 

- CDs; 

- Mutual funds; 

- Promissory notes; 

- Real estate; 

- Private mortgages; 

- Tax liens; 

- Precious metals; 

- Private businesses; and 

- Intellectual property. 

There are also several types of assets into which investment is not permitted with a self-directed IRA. Under IRS Code 408(m), prohibited investments include investment in collectibles such as stamps, art, gems, certain types of metals and coins, alcoholic beverages, and certain other tangible personal property. 

If you feel that a self-directed IRA may be helpful with your purchase of investment property or your estate plan, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our firm serves the communities of Crystal Lake, Riverwoods, Kenilworth, South Barrington, Mount Prospect, Palatine, Des Plaines, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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


Why Do I Need a Living Trust? Won't My Simple Will Work Just the Same?

Web Admin - Friday, May 20, 2016

Why I Need a Living Trust, Illinois Estate Planning Attorneys When people begin the process of estate planning, they often have several questions about what course of action would be in their best interest, or in the best interests of their surviving family members and loved ones. One frequently asked question asks what the difference is between a simple will and a living trust. 

Is one option a better choice than the other? 

The answer really depends on your particular situation. However, for most typical family situations, a good choice is to use a living trust to transfer your property upon your death. 

When you prepare a will as your sole means of transferring your property upon your death, your will must go through the probate court, which can be complicated and your surviving family members could end up fighting over your will once you are gone. However, using a revocable living trust, which you can prepare while you are still alive, can help your family avoid probate after you pass on. Individuals who are looking to exercise more control over their property may find that a living trust is a useful estate planning tool. One of the estate planning attorneys at our firm can help you prepare a declaration of trust at your convenience.

Five Advantages to Using a Living Trust Over a Will

Below are examples of the advantages of using a living trust over a will. 

1. Property transferred through a living trust will not go through probate. Probate is a long, tedious, and costly process before the probate court where the validity of the will is demonstrated, all debts held by the decedent are paid off, and then the remaining property is distributed to the family members. The more complicated the decedent’s estate is upon his or her death, the more complicated and drawn out probate can be. 

2. Out-of-state property transferred through a living trust can avoid ancillary probate. When property is located out of state, instead of having to go through probate in each state, a living trust can allow for the property of out-of-state property without ancillary, or out-of-state probate. 

3. Getting the opportunity to manage your property during your lifetime. By being the settlor of your own living trust, you retain control over the trust until you decide that you want to hand over the reigns or you die. 

4. Living trusts remain confidential, wills are not. Since probate is a legal proceeding, if your will goes through probate, your will becomes part of the probate court records, which are made available for public inspection.  

5. The successor trustee is able to take over once the principal is disabled which is a huge advantage. The “seamless” transition of control over the trust and the trust corpus upon the disability of the grantor is a huge advantage of the trust over the will.

Getting Legal Help with Living Trusts

If you think that a living trust might be the best estate planning tool for you, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our law firm serves the communities of Crystal Lake, Palatine, Des Plaines, Mount Prospect, Long Grove, Kenilworth, Riverwoods, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team.

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.


Five Advantages of Living Trusts Over Wills

Web Admin - Friday, January 03, 2014

By Jay Andrew
JAA@DGAALAW.COM / (847) 934-6000

When preparing for the disposition of their property after they pass on, many people often find themselves questioning what wills and living trusts are and which document would better suit their needs. Wills, governed by the Probate Act of 1975, are legal documents that a person prepares prior to their death, which specifies how the rest of the family should distribute their property and handle the other affairs. Living trusts, which are controlled by the Trusts and Trustees Act, are legal devices that allow a person of the creator’s choosing, the trustee, to handle the disposition of their property. While everyone’s situation comes with unique considerations, living trusts may provide various advantages over wills. Five of the most important advantages include:

1. Living trusts can help your family avoid dealing with long, draw-out probate proceedings. Courts use probate proceedings to tie up a person’s loose ends, distribute their property, and generally enact their will. If you use a living trust, rather than moving through the court system, the trustee can distribute the property in accordance with the trust. This means that your family will not need to bring themselves to the courthouse and deal with the fees and hassle that come along with probate proceedings.

2. Living trusts also provide more privacy than wills do. While both wills and living trusts remain private throughout your life, the probate court will look at the will after you pass on, even if there are no formal probate proceedings. That means that the will becomes a matter of public record. On the other hand, your relatives will not need to file the trust with the court, so it can stay between them.

3. Living trusts also stand a better chance of surviving a legal challenge after your death, making it more likely that your final plans will be enacted to your specifications. The extra strength from a living trust comes from your ability to keep an active eye on it during your life. Because you would stay involved with the trust’s management during your life, relatives would find it harder to prove that you were not of sound mind when making the plan.

4. Living trusts make leaving property to minor children simpler too. Because minors cannot own most property, the trustee whom you choose can manage it for them, whereas a court appointee would likely handle the management if you chose to pass the property on with a will.

5. Living trusts have further benefits in the event that you become incapacitated while alive. Ordinarily, such circumstances would require relatives to petition the court for control of your affairs, and then the court would appoint a person to manage them. With a living trust, you can appoint a successor trustee to take over management in the event that you become incapacitated.

Decisions about testamentary dispositions can be complicated and involve multiple areas of law. If you are in the process of making such decisions, contact a Palatine estate planning lawyer today. We serve many areas in the northwest suburbs including Arlington Heights, Crystal Lake and Barrington.

Recent Posts


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