<prompt> Human: She doesnt have a will, she was in the probationary period of her new job and DIDNT HAVE HEALTH INSURANCE. Unsure about life insurance but I think she had it just dont know for how much. Yup I know how bad this is. Also what would have been my dads pension kicks in in like 4 years and I have no idea what to do for that. She has a house that was re-morgaged havent figured out how much is left yet, about 22,000 in retirement, not sure about money in checkingsavings but I dont think its a lot. She donates her organs tomorrow. Im so lost as to where to go logistically from here. Im the calm, analytical type and my sister is the rash, emotional type so at least one of us has a head on our shoulders right now but I still dont have any knowledge of situations like this?! Please help. Edited to add more detail Edit 2: Thanks so much everyone for your caring words and advice or experience. I havent been able to check this very often because were planning her service for tomorrow and as you can imagine Im busy with all that entails. Thank you SO MUCH for your words - I will read every single response after tomorrow once things calm down a little. I thought everyone would be glad to know she was able to donate both kidneys and her liver - giving the gift of life to three people like she gave it me and my sister. Knowing that makes this whole thing a tiny bit easier  <response>: I work for an insurance company. The one piece of advice that I have for you is to keep a notebook that lists EVERY single phone call you make to her insurance company with the name of who you speak to and a reference number for your call and keep a photocopy of EVERYTHING that you ever fax or mail them. After you do fax or mail something to the insurance company, call them to make sure that they acknowledge receiving it it may take some amount of time for them to put a fax in their computer system after they get it, so if they give you a turnaround time for that acknowledgement, call back again after that amount of time. Insurance companies arent the evil monsters that theyre portrayed as, but as an organization, theyre really not going to care if they lose something or forget something. 