Brief Background: My Step-father was killed in a vehicle accident recently (hit head-on by a drunk driver). He and my mother had been married nearly 26 years. He had started drawing Social Security benefits a few years back (full retirement age), though he was still working. My mother, who has paid in to Social Security for many years and is a college teacher recently retired (Texas Teacher Retirement)and they moved back up to MIchigan. She is also "retirement age", but is still teaching essentially "full time". She has been taking care of final stuff - and ran into something she...