My mil receives what she calls a "pension" check from her late husband. He worked for an Ohio utility company (electric). After he passed she began receiving his as she calls it his pension. She has absolutely no paperwork on this. She thinks its a pension. Im trying to find out what it is exactly, getting proper paperwork for it, etc. Im also wondering if she should be withdrawing lump sums every year, like is required. She has no will or money for funeral expenses when the day comes and my fear is that she will pass and my husband (her son) and I will be stuck trying to find a way to pay for her funeral and outstanding debts, etc. We are not in a position financially to do this. To describe this woman as briefly as possible, shes narcissistic and is only concerned about what she can buy with her money. Which does not include being responsible or considering what this will do to her son. And please do not tell me, this comes with age (77). This is her. Its how she is and has always been. So, needless to say, we (more like I) are trying to figure out what she has and try to set something up to cover her expenses and funeral, etc. Where would I start to find out about this pension? And believe it or not, if shes able to withdraw money, if she knows this, she will blow it and not be responsible with it. Any suggestions?