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.



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 Claims by Insurance Companies on the Rise

Web Admin - Saturday, November 09, 2013

In recent years, it has become more difficult for policyholders to get paid after submitting a claim to their insurance company. In fact, research done by the Los Angeles Times shows that the amount of money that insurance companies failed to pay on claims more than doubled in the past decade to $372 million.

This increase comes, in part, from insurance companies using aggressive tactics to avoid paying money to deserving people. These tactics include denying payment or cancelling coverage after people make claims, confusing customers until they give up trying to collect on their policies, and delaying payment on valid claims. For many consumers, the best option to protect their rights in the face of these insurance actions is to seek out an attorney experienced in handling unfair insurance claim denials.

Insurance Company Tactics        

One of the most common tricks that insurance companies use to avoid paying for valid claims involves denying their validity, or canceling coverage after the policyholder makes a claim. Insurers often do this by claiming that the policyholder failed to inform them of some piece of information, even if that information had no effect on the reason for filing the claim in the first place. Some companies dealing in health insurance go so far as to examine the medical records of claimants in an attempt to dig up some pre-existing conditions that they can use to cancel the coverage or deny the claim. There have even been cases of insurance companies revoking coverage based on conditions that the company never asked about, or that doctors never diagnosed.

Insurance companies also actively attempt to confuse customers about the extent of their coverage in order to escape paying on claims. The companies’ best tool for this is often their contract. Insurance companies write their contracts with an eye towards keeping them difficult to understand, that way they can fool customers into believing that their policy covers more than it actually does until they file a claim.

Another strategy insurers use involves simply delaying payment of the claim until they give up, or in some cases even pass away. Insurers have many tools to prolong the process of trying to collect on a claim. Some tricks amount to nothing more than a bureaucratic runaround, like sending the wrong paperwork for the policyholder to fill out, but others are more aggressive--like simply waiting to mail the payment until the beneficiary complains. Some insurers delay payments so severely that customers resorted to lawsuits just to get the money the company owed them.

Legal Help for Unpaid Insurance Claims in Illinois

If you have questions about an insurance dispute, contact an Illinois insurance attorney today. Call 847-934-6000 to speak with a member of our team. We work with residents in many communities on these issues, including Chicago, Crystal Lake, Schaumburg, Des Plaines, and more.

Recent Posts


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