My question is my union told me to get my own lawyer if my long-term disability insurance company decides to stop paying me I am permanently disabled I wrote to you yesterday and you told me in some cases you do help people that are in Union depends on their Collective first question my union has told me I would have to get my own lawyer if my insurance company stops paying me so that question is answer my second question is when I'm doing the severance calculator on your site it does not allow me to perform action because I am part of a union will not give me a severance amount and my union is telling me I could get my own lawyer what's my course of action here would you think