Hey White, that really bites about the union "formalities" or should I say "out". Same thing happened to my Dad and Mom. Dad died unexpectedly with a heart attack at the age of 51. All I heard growing up was "get in the Teamsters son, they will take care of you". I did go Teamsters for a few years............long enough for them to take a job away from me because I got it on my own. Back to my Dad, because one of his employers failed to pay into the pension fund for a couple of months, that gave the union a "break in service" out and denied my Mom of any pension benefits. All the Teamsters did for him, after paying union dues for 28 years, was bury him. It has made me more determined through all of it. You guys and I are not ones to sit around and wait to be taken care of!