DGAA bLAWg

Potential Reasons for the Denial of a Life Insurance Claim

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

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

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

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

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


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

Contact a Buffalo Grove Life Insurance Attorney

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

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



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

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.

Source:

http://www.ilga.gov/legislation/ilcs/ilcs5.asp?ActID=1249&


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.


Recent Posts


Tags

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

Archive