I think I'm missing something here, as I wouldn't wait till I got there if I had no further clearance from ATC. I would be on the r/t about 10 miles before asking what they wanted me to do, and if no reply would already be prepared for the lost comms procedure by the time we arrived at the start of the STAR. It used to be called Captaincy!
BTW Intruder is correct, the IAF is at the end of the STAR - Initial Approach Fix - but the same principle applies there.
Happy Easter