@dd4vols Thank you so very much for your reply, time, and consideration. I am going to hold off as long as I can on using the much needed funds (to take care of her last affairs) just incase. 
I do so appreciate you and @Just-Lisa-Now-  for taking the time, however, to answer some of us as I have searched and called like many others on here to no avail, and this was the ONLY place that any such info/thread was addressing the matter. I realize it is very early in the process, but there are many of us facing desperate times or immense loss and truly need to consider use of these funds for one reason or another.

From one Vol to another- Much, much THANKS!