Hi, J.V. the cover that holds the breakers in has nothing on it. There is no disconnect, this panel is fed from the meter to the right of the picture (out of sight). This house was built in 1976, not sure if a disconnect was required at that time in North Carolina. The feed to the left of the picture is to a sub panel that has empty spaces that I was intending to use for a Hot Tub install. But I think now I'm going to have a new 200 Amp panel installed with a main breaker in it to take care of the whole problem.
Thank you all for responding to my questions and helping me.