Thanks, Angels3 and Karen, for your words of encouragement.
Actually, the problem may be solved now. I started a new job Feb. 5th after having been laid off from my old job, and yesterday I went to the new employee orientation to learn about the benefits. Turns out, I am eligible to receive up to four times my salary in life insurance before having to submit evidence of insurability, which would be enough to get my kid through his next few years, and have my cats taken care of through the Dallas SPCA surviving pets program. By coincidence, yesterday I also got a mailing from the SPCA, so I'm signing them up!
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