Case Studies

Joe is a 62-year-old happily retired union member living the (good) retired life. He and his wife, Tiffany, are receiving his monthly pension payment, seeing the kids and grandkids at least monthly, and spending winters in sunny Florida. He had worked 30 plus years for the carpenter’s union  The 5 kids grew up in a loving, stable family environment.  They were set-up to enjoy  20+ years of retirement.  While on a FL trip, Tiffany starts to not feel well. They called the

Robert (Bobby) Smith was a happy man.  He had just surprised his girlfriend of two years by “popping the question” at her summer family gathering.   Julie was ecstatic and said “yes”.   The wedding was scheduled for a year later.  Bobby made Julie the sole beneficiary of his life insurance benefits.   The first five months of the engagement went by quickly.  But, as they started to look at locations for the wedding, Julie became very ner

John was an union member in the Skilled Trades, on the job for 25 years, when he was badly injured while on the job. He was hospitalized for several months and receiving Disability while his wife, Joan, was doing her best to manage the household and take care of their children’s needs.Trying to keep up with their bills became burdensome for Joan.  The monthly life insurance premium increased dramatically after the accident. In fact, the monthly cost doubled.   To save some money

Frank is a 27-year-old union worker working in Northwest Side of Chicago.  Frank is single and has been a union member for 5 years. He recently bought a house in Evergreen Park and has a substantial mortgage (80% of the value of the home). He is riding his motorcycle on a hot summer day and is broadsided by a motorist. The motorist takes off and leaves the scene.  Frank is badly injured.  He suffered a brain injury and had a stroke while in surgery. His friends and family rally ar