How to start an approach in IMC loss of communication under IFR? Suppose I lost my radio communication while en-route, I am following the cleared route to the last fix. I am flying the higher of my last assigned altitude and MEA. Then, I am holding at my last en-route fix and the filed expected arrival time is coming. In this case, how may I start to descent and commerce an approach? regarding which IAP to use and which IAF to head for, provided that the last en-route fix is none of IAFs in any IAPs and my last altitude is much higher than the minimums prescribed in the IAPs.

POST EDIT: 


Transponder is on 7600
No VMC within the range of fuel
Destination airport is tower-controlled
The FAA says (per 14 CFR 91.185):


  If the clearance limit is not a fix from which an approach begins,
  leave the clearance limit at the expect-further-clearance time if one
  has been received, or if none has been received, upon arrival over the
  clearance limit, and proceed to a fix from which an approach begins
  and commence descent or descent and approach as close as possible to
  the estimated time of arrival as calculated from the filed or amended
  (with ATC) estimated time en route.


This seems to answer your question unless you have a more specific one. You can descend to an IAF as you see fit and commence any approach. ATC will clear the way.