Teresa in dire need.

Hi, my name is Teresa, I'm in a bit of a jam. My husband had Cirrhosis, he was under Hospice care I needed a break, so we did a 5 day Rest-bit. They sent him to a nursing home that didn't have the type of care he needed. He ended up falling twice and breaking his balljoint on his right leg. They sent him home like that, I called Hospice, they sent him to the ER. Sure enough broke leg, he went to a Hospice House from the Hospital, they kept him until Sunday the 23rd when he came home. He started running a fever that night, and passed away on the 24th at 10:28pm. Now, I have been told be Mutual of Omaha that he hasn't had his policy long enough to pay out. The payout was only $6000. but I was counting on that money to help with bills as well as the cremation. I don't know what else to do. Please, if you can find it in your hearts to help me I would be eternally grateful. Thank you so very much.