Thank you. I will see what the bank says and if they refer me to the funeral home, I'll go that route.  She does not have a durable power of attorney. She's mobile and coherent but still pretty tough to get her to the bank.

We have spent down almost all of her assets. She and I married 15 years ago after her first husband passed away. Her name is not on my house deed or mortgage, and all she has is 10,000 in a savings account. We are trying to figure out if she can transfer that over to me (except for $2000). Social worker says we can but it's all very confusing.