Hi, my name is fiona

Hi Fiona @fiona1160 and a warm welcome to the community. Very glad to have you with us.
It sounds to me as if you need to speak to one of our benefits advisors, so please bear with us and one of them will get back to you as soon as possible.
You're among friends here, Fiona, so please don't hesitate to tell us about yourself or talk about any ways in which you think we might be able to help you.
Warmest best wishes to you,
Richard