Getting the Overtime Pay You Deserve

Web Admin - Tuesday, June 07, 2016

overtime pay you deserve, Illinois Employment Law Attorneys Countless workers in Illinois are eligible for overtime compensation when they work more than their standard work week worth of hours. For those overtime compensation eligible workers, once 40 hours of work is put in for a week, anything above and beyond that should be compensated at a rate of time and a half. Workers who are typically eligible for overtime pay protections are general laborers (not agricultural laborers), workers who are compensated through tips, and many blue collar workers. Some salaried workers may also be eligible, depending on their circumstances. 

Anyone who believes that they have been wrongly denied compensation for overtime hours that they have worked should consult with an experienced employment law attorney at our law office. Our professionals can help you determine if you are eligible for overtime compensation by your employer. 

Workers’ Overtime Compensation Rights Under the Law

Certain workers are eligible for overtime compensation at a rate of time-and-a-half under the Fair Labor Standards Act (FLSA). The FLSA is a federal law which protects workers from grueling hours without pay. A worker who believes that he or she has been wrongly denied overtime pay can file a claim with the wage and hour division of the U.S. Department of Labor (DOL). The DOL will review the employee’s claim, and will determine whether an investigation needs to be conducted into the alleged violation of the FLSA by the employee’s employer. 

When the employee’s claim is found to be valid, the DOL will pursue the back wages from the employer on the worker’s behalf. The employee can also sue his or her employer for owed back wages as well. 

Under the FLSA and Illinois law, workers who are executives, administrators, professionals, and some computer workers who earn at least $455 a week are exempt from overtime compensation. This means that these workers are not entitled to overtime pay if they work more than their standard 40-hour work week. Independent contracts, and some live-in employees are also exempt from unpaid overtime protections. External sales people are also often exempt from overtime pay protection laws. 

There are several exemptions to the overtime pay laws, and these exemptions can be confusing. Tests are used to determine if a worker qualifies for protection, and sometimes it is difficult to determine whether you are eligible under the laws or not. An experienced employment law attorney can help you assess your eligibility for unpaid overtime compensation protection. 

If you are concerned that your employer is not compensating you for overtime that you have worked, and you believe that you are eligible for overtime pay protection under the FLSA and Illinois law, you should consult with an Illinois employment law attorneys today. Our law firm serves the communities of Crystal Lake, Des Plaines, Rolling Meadows, Buffalo Grove, Barrington, Inverness, and Deer Park. Please call 847-934-6000 to speak to a member of our team.

      Ken Apicella

      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.


When is Overtime Pay Required?

Web Admin - Thursday, May 28, 2015

overtime pay in Illinois, Palatine employment lawyerOvertime pay is an important, but often complicated, issue that employers and employees sometimes have to resolve. For employees, receiving overtime pay is compensation for being asked to work a significant number of hours. However, employers often attempt to find ways, either by legal or, in extreme cases, illegal means, to avoid having to pay overtime compensation.

General Overtime Information

Under the Fair Labor Standards Act (FLSA) and Illinois law, an employee is entitled to overtime pay when he or she works more than 40 hours in a single workweek. The workweek is a fixed and regularly recurring period of 168 hours (seven consecutive 24-hour periods) and is defined by the employer. The workweek does not need to coincide with the calendar week. Instead, the workweek can begin on any day and at any time of the day. While the employer can make the workweek whatever he or she wishes, it is not permissible to average the number of hours worked over a period of two or more weeks.

Overtime pay is paid at a minimum of 150 percent of the employee’s hourly work rate (known as “time-and-a-half”) for the number of hours worked over 40 hours in a workweek. The FLSA does not place a maximum number of hours that an employee over the age of 16 may work in a workweek. Further, there is no provision for overtime pay for work performed on Saturdays, Sundays, or holidays, unless work performed on those days results in exceeding the 40-hour rule. Generally, overtime pay is paid on the regular payday for the period in which the wages were earned.

The FLSA provides for several exemptions from the requirement of overtime pay. Exempt from overtime pay are executives, administrative, professional, computer, and outside sales employees who earn over $455 per week. Determining whether an employee fits under one of these categories can be complex and requires examination of the specific work the employee performs. Under Illinois law, other types of workers are also exempt, including, but not limited to:

  1. - Any salesman or mechanic primarily engaged in the selling or servicing of automobiles, trucks or farm implements;
  2. - Agricultural workers; and
  3. - A crew member of any uninspected towing vessel operating in any navigable waters in or along the boundaries of Illinois.

An employee who believes that he or she is entitled to overtime pay can file a lawsuit claiming monetary damages or that requests an injunction that orders the employer to pay the overtime wages. If the employee’s lawsuit is successful, he or she may receive back-pay, as well as liquidated damages in an amount equal to the back-pay.

Help with Employment Issues

For more information or if you believe you have been improperly denied overtime pay, you should speak with an experienced Illinois employment law attorney with experience in employment law and overtime compensation. Our firm represents individuals throughout the northwest suburbs, including areas such as Arlington Heights, Palatine and Crystal Lake. 

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.

Payment for Unauthorized Overtime

Web Admin - Friday, September 19, 2014

payment for unauthorized overtime, Palatine employment law attorneyThe law related to wage and hour violations is a complex legal area that touches virtually every employee. These laws lay out employees' rights with regard to things like when they may be paid, how much they must be paid, and the various overtime rules. The overtime rules are some of the most difficult, and can often lead to violations by employers, either knowingly or simply by virtue of not understanding their full complexity. Regardless of the reason for the violation, employees should be aware of their legal rights so that they can enforce them in case something goes wrong.

One of the most common issues that arises with overtime is the idea of “unauthorized overtime.” Many companies have a policy in place that requires employees to get supervisor permission before they work overtime, because overtime switches them to an increased hourly salary. However, this policy can cause confusion when an employee works unauthorized overtime. Some companies refuse to pay workers extra for unauthorized overtime work, but that refusal is a violation of federal law.

The Fair Labor Standards Act

The Fair Labor Standards Act (FLSA) is the major piece of federal legislation governing things like overtime pay and wage and hour violations. For the purposes of the question about unauthorized overtime, the important section is 203(g), which defines the word employ. A company employs someone when it “suffer[s] or permit[s]” the person to work. Such a broad definition of the word employ means that even if the company has not authorized the overtime hours, they are still allowing the overtime work to happen. The fact that they allowed it at all means that the employee must be paid properly for their time, regardless of any company policy. However, employers are still allowed to take certain steps related to authorizing overtime.

What Employers May Do

Just because employers must pay their workers for unauthorized overtime does not mean that they are not allowed to have a system for approving overtime beforehand. Companies are allowed to decide whether they want their employees working extra time or would rather simply have the project completed at a later date. In fact, companies are even allowed to institute disciplinary procedures related to working overtime without the proper authorization. Yet, even with such procedures in place, if the employee still works overtime, they must be paid accordingly, even if they are also disciplined for violating the company policy related to unauthorized overtime.

Employees who have been the victim of wage and hour violations often feel powerless to stand up to their employers. If you believe that you are owed extra overtime pay, contact a skilled Illinois employment lawyer today. Our dedicated team can help provide you with the backup you need to enforce your legal rights as an employee. We assist clients in Palatine, Des Plaines, Buffalo Grove, and those throughout the suburban Chicagoland area.

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

Recent Posts


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