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Ask an attorney to explain your state laws to you.
Best of luck to you.
The only way to find out if ur beneficary to a policy is to call the company who issued it. But you may need to know the policy number. They may not give u any info because Mom is still alive. They may tell you are or not but they probably won't tell you who is beneficiary.
I think a person claiming POA needs to show people they are. Especially u as an only child. I think you have a right to know. If someone other than you has been assigned, then they make the decisions based on Moms wishes. They don't have to tell u anything about her finances or her health. A POA may know where the Will is but they don't need to know whats in it. POA stops at death and then the Executor takes over. Once Will is in Probate, its up to the Executor to contact all beneficiaries. There will be an accting, and if u don't agree with it you can contest it.
If there is no Will then an Administrator needs to be assigned by the Probate Office to handled the decease's estate. As decease's child this could be you. Probably u over a family member. Once you make sure bills are paid and other requirements, the State will determine who inherits. You being the only child would inherit.
As to after death, the will, you will find that out when your Mom died. Probate Court filing is necessary and a public document.
You say that you are next of kin. Is your Mom suffering from Dementia? Who is paying her bills for her. Her bank may let you know who the POA is and your doctor may let you know who is her assigned Health Care under her directive.
But basically, you really cannot access private info on someone (your Mom) very easily if others in the family who is involved in care giving don't wish to share information with you.
Best way forward is to befriend those caring for Mom, ask if there is anything you can contribute. You may then trip into the answers to the questions you have.