Marg, I would put my money on George WHELPLEY and wife Hannah? Alice? (b. NS) because Nellie died at her residence on High Street. That is in the Portland part of Saint John. Her husband was a Sea Captain so her home would likely be near her parents because he would be away at sea a lot. (By the way before I forget, I would also search his name as DENNINGS back further as there are some of them up where he was born in Bay Verte,NB.) In the 1881 census there is only one WHELPLEY family living in the High Street area ( Ward 2) That is George age 45 b. NB, a Sea Captain, and his wife Hannah? Alice? Age 44 b. NS. There are then listed 3 boys which the transcriber has called SWEENEY - George Franklin 20, Gilford Dudley 19 and John Edward 16. Maybe Nephews? A widow Margaret SWEENEY age 67 lives in the area. Then there are more WHELPLEYs in George's family listed under them...Minnie Cassie 15 (Nellie named her baby daughter that died "Minnie".) Alice May 10 and Frank Enous?6.Of course this is only an opinion.
BTW don't bother wasting you money on Nellie's death certificate. I found it online and it was very poorly transcribed. Here is how it was done.... Date 1913.01.24 Name of deceased Dennings, Nellie Age 59 Sex F Marital status Married Spouse Residence 67 High Street Place of Death 67 High Street Place of Birth Saint John, N.B. Date of Birth Occupation Mother Place of Birth Father Dennings, Wholplry Place of Birth Interred Cedarhill cemetery. Physician Pratt, C.M., M.D. Length Notice Globe & Times. Clergy Pierce, Rev. Comment Ord. by husband Capt. William A.& his Son. Cause of death Pulmonary Tuberculosis (from Brenan's Funeral Home records of the PANB site)
The stone in the Old Cedar Hill Cem. just says.... In Memory Of/ Nellie/ wife of Capt. William DEMINGS/ born March 28, 1853/ Died Jan 24, 1913 (Back) James M. MOWRY/ 1876 - 1957 / wife Jennie A. (MOWRY) / 1876 - 1965 / son George M. (MOWRY) 1906 - 1907.
You may not have seen the NBGS first families site. I'll try to put the site here. nbgs.ca/firstfamilies.html