My husband, Gary, just died on Dec 13, 2009 after a long battle with liver cancer. We have been together for 25 years. He didn't have any life insurance because he had just been laid off from his job just a few months before his diagnosis. He had life insurance through his work but once he found out about his cancer, it was too late to get any life insurance from anywhere. My husband was receiving Soc. Sec., but of course, the treasury dept. pulled that out of our account right away. I haven't been working because I had been taking care of my dying husband. How am I suppose to pay my bills? I called Soc. Sec. right away, but I don't have an appt. until the 22nd of this month. How long will it take after my appt. before I am able to receive anything? I should also mention that my husband and I had adopted one of our granddaughters shortly before his cancer was diagnosed. We were receiving soc. sec. for her too, but since that came in my husbands name, I have to get that changed over, as well, so they took that check back, too. My husband died without having a will, but the mortgage, cars, and bank account were in both of our names, so will that automatically be changed over to me? We live in Il., if that helps anyone to respond to my questions. I just feel so lost and I feel like my head is spinning. I get confused and feel scattered. I can't keep my thoughts straight. I'm disappointed that the people I was counting on to help me through all this are not here. I realize that people often don't know what to say or do, but why do they seem to avoid you? I'm talking about people, like my sister...who said that she would be here for me. I've only talked to her twice since we buried my husband. She was suppose to come over a week ago, but texted me that morning and said that she was sorry, but she had a migrain. I don't want people to give up their own lives, but I feel like I am drowning in sorrow. I don't know if I'm "coming or going" or "which end is up" Do you understand what I am saying? It helps somehow just knowing that others are feeling the same things that I am.