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When my brother died he had an account he left POD to an ex partner, for instance. Had I not notified the fiduciary of this man (who was himself not entirely competent anymore), then this account would just have sat there and sat there, if you see what I mean. I was Trustee of my bro's Trust. I knew all his assets. But this account was POD; and the bank would have done nothing about this. In fact they TOLD me they would have done nothing about it. Eventually I am sure that the IRS would have wanted to track down the beneficiary, but this man no longer even got mail, so how would they have done so? Folks, check those lost money account things for your state. Maybe you have money out there.
I am in Canada. If there is only a spouse to inherit, then Registered accounts and a principal residence can roll over to the other spouse tax free. But cannot roll over to a child, tax free in most cases. If a bank account is help jointly with a child, it will go to the child in most cases, but recently there was a Supreme Court decision that over turned a beneficiary designation on a registered account.
I am an advocate for having a will if the parent is mentally competent to have one professionally prepared.
Brokerage, bank and retirement accounts can have pod beneficieries. Does she own a home? That can be more cpmplicated.