She has a few checking/savings accounts that are jointly held with her oldest son. She also left life insurance and an annuity which were both assigned beneficiary designations to the three children. Other than the medical bills she has no debt (she owned no credit cards). I believe the life insurance and annuity CANNOT be used to pay the medical bills - only the jointly held checking/savings accounts. Is that correct?
Is there a certainly dollar amount in those accounts that will require paperwork? For example, if she has $15,500 in the accounts, will court paperwork be required? Her children have not filed any paperwork in the courts and are hoping to avoid the courts entirely since there was no will and virtually no assets (she rented an apartment and lived on a pension).