I'm sorry to hear about the loss of your spouse's mother. Dealing with insurance paperwork and the loss of a loved one can be overwhelming, but there are resources available to help you navigate this process.

First, it's important to identify all of the insurance policies that may be relevant to the deceased's estate. This may include life insurance policies, health insurance policies, long-term care insurance policies, and any other policies that may provide financial coverage in the event of the policyholder's death. To find this information, you can start by looking through the deceased's financial records, including bank statements, credit card statements, and any other documents that may list insurance policy information. You can also try contacting the insurance companies directly to inquire about any policies that may be in place.

As for the names and addresses of doctors and hospitals that treated the insured over the past five years, this information may be available through the deceased's medical records. You can try contacting the hospitals and doctors directly to request copies of the records, or you can ask the insurance company for assistance in obtaining this information. Keep in mind that there may be privacy laws that govern the release of medical records, so it's important to follow the appropriate procedures when requesting this information.

Regarding next of kin, this term typically refers to the closest living relative of the deceased, such as a spouse, child, parent, or sibling. In most cases, the insurance payout would go to the designated beneficiary, who is typically named in the policy. If the beneficiary is not able to receive the payout, it may go to the next of kin as
determined by the terms of the policy and applicable state laws. It's a good idea to review the policy carefully and consult with an attorney if you have any questions about the distribution of the insurance payout.

I hope this information is helpful. Again, I'm sorry for your loss and I hope you are able to find the support you need during this difficult time.