If I am flying and it does say Disconnected and I have no control over the craft what should I do. I guess if I would have been out in the wide open return home would have been fine. If I am in an area where I can't use return home what can I do."Disconnected" has historically meant that the mobile device is not connected to the RC. The RC itself remains connected to the AC and you can control the AC with the RC.
Turning off the RC in that situation would trigger the RTH function as was noted by @horsepowerphoto.
If you see something like "Aircraft Disconnected" then that would mean the RC and AC are not connected and RTH would have automatically engaged.