My husband also died a few weeks ago. The unemployment he received stopped in November. We both lost our jobs on the same day last year - I know that contributed to his health problems. Luckily I finally got another job but he didn't. For the first time in his life he had no life insurance - although I have a small policy thru my employer. Did you contact social security? I can receive money for our daughter but it won't come till the end of January. We walked into the hospital together and I never got to speak to him again. I've been told life insurance will take about 3 weeks after applying - hoping that is true. If you can't make the mortgage call the company and explain the circumstances. Good luck!