It would be wise to seek real legal help. The hospital etc can file for payment from what is in the insuurance and estate. They can walk away with it all if you're not prepared. Be sure there you are aware of all forms she had to sign. A number of long term care and some hospitals are getting elderly to provide until death care at no fee or additional fees and the estate becomes theirs as the pay off. Tihs includes everything. A friend recently went though this and they couldn't even get their hands on family photos until the hospital racked them clean.