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.

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


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