5 Life Insurance Claim Denials and How to Avoid Them in Illinois

Web Admin - Tuesday, August 04, 2020

Options for a Life Insurance Claim Payout

Web Admin - Thursday, June 28, 2018
Rolling Meadows life insurance claim lawyerA life insurance policy can provide a family with the reassurance that they will be able to maintain financial security if tragedy strikes and a family member dies. Life insurance benefits can account for the income that a deceased person would have provided for their family, as well as expenses such as the costs of medical care prior to a person’s death or burial and funeral expenses. When filing a claim, it is important to understand the options for receiving a payout of life insurance benefits.

Payout Options

After the death of a person covered by a life insurance policy, the beneficiaries of the policy should file a claim with the life insurance company, and they must provide a copy of the deceased person’s death certificate. If the claim is approved, the beneficiaries may receive a payout in one of several ways, including:

- Lump sum - The entire amount of the benefit may be paid at one time, allowing beneficiaries to use these funds to pay outstanding expenses or invest them as they choose.

- Annuity - A benefit may be paid to beneficiaries in installments, providing regular income for a certain number of years. This allows beneficiaries to not only receive the money they need on an annual basis, but they will also receive interest on funds that have not been paid out. However, while life insurance benefits are not taxable, interest earned on these benefits is considered taxable income.

- Payout checkbook - Some insurers will hold benefit funds for beneficiaries while allowing them to withdraw money as needed by writing checks. Funds held by an insurer may also generate interest until they are withdrawn.

- Life income - Some plans may allow beneficiaries to receive a fixed monthly income based on the amount of the benefit, their age, and their life expectancy. The beneficiary will receive a guaranteed amount for the rest of their life, regardless of whether they die before or after they reach the age to which they are expected to survive.

- Pre-death payments - While life insurance benefits are usually paid after a person’s death, in some cases, they may be available while a person is still alive to offset the costs of medical care for a terminal illness.

Contact a Des Plaines Life Insurance Attorney

After a person’s death, the prompt payout of life insurance benefits is essential, allowing a family to cover their costs and meet their ongoing needs. If a life insurance company has denied your claim or delayed the payout of your benefits, Drost, Gilbert, Andrew & Apicella, LLC can work with you to help you receive the benefits you deserve. Contact our Palatine life insurance claims lawyers at 847-934-6000 to arrange a personalized consultation.

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.


Avoiding Life Insurance Loopholes

Web Admin - Tuesday, November 25, 2014

life insurance loopholes, Illinois life insurance lawyerThe insurance industry is known for having incredibly complex contracts, and life insurance is no exception to this rule. As you might expect, the reason for this is money. According to statistics from the Insurance Information Institute, life insurance is a multi-billion dollar industry, and the companies want to keep it that way. 

One of the ways that life insurance companies do this is by fighting against paying valid claims. Money they do not have to pay out is money that they can ultimately keep for themselves, and even just delaying the payments can be profitable for them. Life insurance companies have two main tools for insurance claim disputes, policy cancellations and policy exclusions.

Policy Cancellation

A policy cancellation is exactly what it sounds like. The insurance company cancels a claimant's policy in order to avoid paying out a claim. This is a particular problem during the first two years of the policy's life, which is known as the contestability period. During this period, the insurance company may examine the policy looking for misrepresentations or omissions, and then cancel the policy if they find any. They even have the option of doing this after a person has already made a claim, and they are allowed to cancel regardless of whether the omitted information has anything to do with the actual cause of death.

A similar issue, but one that can last beyond the contestability period, is the material misrepresentation clause. This clause allows the insurer to cancel the policy at any time if they discover a lie or omission that would have caused them to not issue the policy in the first place. However, even people with perfectly accurate applications are not safe from having their claims contested.


In cases where the person's application cannot be contested, insurance companies may still attempt to avoid paying out for claims based on policy exclusions. These exclusions are specific events or actions that the insurance company has excepted from the policy. There are a variety of different policy exclusions that insurers may use, and they vary from policy to policy, but they may include:

- Dangerous activities like skydiving;
- Suicide;
- Alcohol and drug use; and
- Illegal activities.

The exact limits of these exclusions can depend on the precise policy language. For instance, some policies’ exclusions for alcohol and drug use exclude only illegal substances, while others exclude legal ones too. This can be especially complicated because some policies require the substance to be the cause of the death, while others only need the substance to be in the person's system at the time of death.

Life insurance contracts are complicated legal documents, and the insurance company is going to have a lawyer on their side. If you want to even the odds, contact a Palatine life insurance attorney today. Our firm assists people in insurance disputes all over the northwest suburbs, including in towns like Inverness, Deer Park, Barrington, Arlington Heights, Schaumburg, Des Plaines, Rolling Meadows, Crystal Lake, and Buffalo Grove.

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

Appealing 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.

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.

Unpaid Life Insurance Benefits are a Billion Dollar Problem

Web Admin - Thursday, January 23, 2014

By Ken Apicella
(847) 934-6000

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

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

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

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

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

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

Recent Posts


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