Kudus for listening to her and validating her feelings. Of course you are worried about this but don't expect her to have any clear cut reasons for these feelings and don't blame yourself for this. Kids who have great stress free lives also have these feelings so it's not necessarily due to the economic plight of the last year. It sounds as if you have a great relationship with her so in the next few weeks as you wait for the insurance ask her to promise she will come to you if the feeling or thoughts get too much to handle. If it becomes an emergency go to the ER. Just knowing that you will support her is the best medicine you can give her at this time, that's pure gold.