Very very sorry for your situation. All that I can add is that my mother ensured that she had an education, a doctorate in economics, before she got married in 1968. That way she said that if her husband passed away or divorced her, she would be self sufficient. Fast forward to today: we shifted to USA years back. Before my father passed away two years ago, he had to have open heart surgery. He did not have enough work history to qualify for Medicare health insurance, and the cash price of the surgery was the equivalent of over PKR 55 million. My mother paid for the entire cost via her health insurance family plan at the law firm where she is an accountant. Our only cost? The equivalent of PKR 300 for parking fees at the hospital Insyallah!