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You previously posted in a different thread last year there was enough money for 1 year. Now the year is up and at minimum wage can’t afford the house anymore. There clearly wasn’t that much life insurance to pay off the mortgage even then. I’m assuming your step dad earned way more money than mom or they wouldn’t have been in that expensive of a house. Even if the mortgage was paid off by insurance, I’m guessing she would be in the same boat because that house with property taxes and utilities alone is too expensive for a minimum wage earner.
“There's enough money in the account to cover all the house expense, including mortgage, for a year at least. My mom was eagered to talk to the bank but i told her to see an estate lawyer first after reading the comments here. Also about the 2500$ death benefit, The funeral director said not to take it. Taking the 2.5k would give the government the right to freeze the bank account and prevent us to get a number of death certificate.”