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Why wouldn't you just ask the controller if you were unclear? Seems to me to be the safest option given you weren't sure whether you were correct or the F/O was.
They don't have to state that in the states. In radar environments it seems they often state that, but non-radar it is hit or miss. If you were on an airway with a published MEA or MOCA, you can descend to that altitude (whichever is applicable) before reaching the IAF. If you were on a direct routing, then I would stay at 6000.