Two Main Legal Options for Insurance Disputes

Web Admin - Monday, March 21, 2016

legal options for insurance disputes, Illinois Insurance Dispute AttorneysPeople purchase insurance policies to put their minds at rest. However, countless valid claims are denied by insurance companies every year. Many individuals are upset when their insurance company disputes a claim and refuses to pay—insurance companies are in the business of making money, and paying out claims is not a part of their business plan. When you find yourself involved in an insurance dispute with your insurance company, an experienced Illinois insurance dispute lawyer can help you deal with the insurance company and your disputed claim. 

Settlement As a First Option 

The most common approach for handling insurance disputes is to enter into settlement negotiations. A majority of insurance disputes are successfully resolved via settlements. Settlement negotiations begin when your lawyer submits your claim to the insurance company. The insurance company is not interested in paying the full amount of the disputed claim, but may be persuaded into paying a reduced amount of the claim instead. The insurance company will most likely reject your settlement claim; however, it will likely pitch back to you a counter settlement offer. 

After discussing the counter offer with your lawyer, you and your lawyer can then determine if the counter offer is satisfactory or not. If not, you can reject the counter settlement offer and put forth another settlement offer of your own. This process repeats until you and the insurance company come to an agreement, or ultimately decide that a settlement is not going to work. When settlement negotiations fall apart and fail, the dispute must be brought before the courts to be resolved. 

Proceeding to Court As a Second Option

If all else fails, your lawyer can prepare your insurance dispute claim for court. As an initial matter, it is very likely that your insurance policy contains a clause directed to a statute of limitations for bringing an insurance dispute to court. Your lawyer should be able to review your policy and inform you of when you must file the action in court in order to prevent your claim from being time barred under the policy. 

Your case will most likely be based on contract law or the Illinois Insurance Code, both of which your insurance dispute lawyer is highly familiar with. Additionally, your cause of action will most likely be based on a breach of contract (i.e., the insurance company refusing to pay, as per the insurance contract), or a violation of the Illinois Insurance Code. Your insurance dispute lawyer will work closely with you to develop your strongest case against your insurance company so that you can get the claim payout that you need. 

If you are having difficulty with your insurance company refusing to payout a valid claim, please feel free to contact one of our experienced Illinois insurance dispute attorneys today. Our firm serves the communities of Rolling Meadows, Buffalo Grove, Barrington, Inverness, Palatine, Des Plaines, Schaumburg, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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.



Appealing ERISA Life Insurance Claim Denial

Web Admin - Friday, August 21, 2015

Illinois insurance dispute lawyerThe Employee Retirement Income Security Act of 1974 (ERISA) governs certain life insurance plans offered by employers. Whether or not ERISA covers an insurance plan is important because it will impact the way in which a claim denial may be appealed. Additionally, claims governed by ERISA have more limited remedy options than under traditional state law.

What is ERISA?

Under ERISA, minimum standards are established for benefit plans offered by employers, including life insurance plans. However, ERISA is only applicable to private employers that offer employer-sponsored insurance (or other benefit plans) to employees. ERISA does not mandate that plans are offered by employers, but does set standards and rules that must be met for those employers that do offer plans. ERISA does not apply to individually purchased, private insurance plans.

Additionally, ERISA does not apply to the following plans:

  1. - A government plan;
  2. - A church plan with respect to which no election has been made under section 410(d) of title 26;
  3. - A plan maintained strictly for the purpose of complying with relevant workers’ compensation laws or unemployment compensation or disability insurance laws;
  4. - A plan maintained outside of the United States for the benefit of nonresident illegal immigrants; or
  5. - An excess benefit plan that is not funded.

Appealing a Claim Denial

The process for appeal begins with the insurance company sending a letter to the claimant explaining that the claim has been denied. A claimant has the right to receive all “relevant documents” to the case, but this must be requested. It is important to request the plan administrator to send these documents. After the claimant has all of the documents and is ready to state his or her case, the request for an administrative review should be made. However, a request for this review must be made within 180 days of the denial of the claim. It is important to note that, under ERISA-governed plans, a lawsuit is not available until an administrative review is conducted.

For the review, the insurance company will provide the reasons for denying the claim. The claimant should respond to these thoroughly and objectively. This is a critical step, because the information provided at this stage will be the information that the judge will review upon appeal in the event that the administrative review is not favorable to the claimant. Similarly, the administrative review is limited to the evidence and medical documents that have been provided to the company.

If the administrative review does not overturn the denial of the claim, the decision can be appealed by filing a federal lawsuit. ERISA does not allow for punitive damage awards or bad faith claims in these types of lawsuits. Additionally, the case is heard and ruled on by a judge, not a jury. As a result of these differences, quite often it can be beneficial to attempt to argue that ERISA does not cover the insurance plan.

Appealing denial of claims governed by ERISA can be complicated. For more information about the process and how an experienced Illinois insurance dispute attorney can help, contact us today. Drost, Gilbert, Andrew & Apicella, LLC proudly provides legal representation for communities such as Des Plaines, Crystal Lake, Palatine, Rolling Meadows, and Barrington.

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.

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.

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.

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
(847) 934-6000

A recent probe of insurance companies conducted by New York State’s Department of Financial Services revealed that, nationwide, insurance companies failed to pay an estimated $1.1 billion in life insurance to beneficiaries. The issue stems, in part, from a lack of communication between policyholders and beneficiaries. If the policyholder never informed the beneficiary that they took out a life insurance policy, the beneficiary would not know to file a claim. This causes problems because insurance companies rely on beneficiaries to report when someone dies in order to claim their benefits.

At least, that used to be the case. Following this probe and similar investigations across the country, including in Illinois, insurers are starting to follow a different set of rules. For instance, in New York, Governor Cuomo signed a law that requires insurers to make routine searches of a death database in order to determine if any new deaths matched policyholders, so that they could start the process of finding that person’s beneficiary.

The Governor introduced this law in order to put to rest the apparently common practice of using such databases to track the deaths of people to whom the insurance company owes monthly checks, without using those same databases to track the deaths of policyholders.

The investigation also prompted more stringent enforcement of rules requiring insurers to turn unpaid benefits over to the state in some circumstances. Many states run unclaimed property departments. These departments hold on to the property, and then it becomes the beneficiary’s burden to track it down. Fortunately, with some careful planning, policyholders and beneficiaries can avoid problems like this.

The easiest way to make sure your loved ones do not have to spend time tracking down an insurance policy is with communication. If you take a life insurance policy out on yourself, tell the beneficiary. While some people can find it unpleasant to discuss or difficult to go into the details of how much they chose to purchase, you do not need to do that. It does not have to be a long, drawn-out conversation. Even just letting them know that you took out a policy, as well as which insurance company they should talk to if necessary, can be helpful.

If you have found yourself involved in an insurance dispute, contact a Palatine insurance attorney today. Call 847-934-6000 to speak to a member of our team. We serve many northwest areas including Rolling Meadows, Chicago, Crystal Lake, Inverness, and other nearby communities.

Recent Posts


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