Several years ago a man in his late fifties died in my town. He was newly retired and moved here from Ohio, having bought a small condo, and had his bills on auto pay. He died in his condo and no one knew until his sister contacted the Sherriff's Department and asked them to do a wellness check because she could not contact him. An autopsy showed that he had died about eighteen months earlier of what they believe was a heart attack. Unfortunately, your fears are rational.