Virtual Backgrounds and filter not showing up in the settings menu

I use zoom in a web browser.  Today when entering into a meeting my virtual background wasn't active. When I went into the settings menu within the meeting the option for background wasn't available.  I then tried the arrow next to the start video button and the option for virtual video settings is not showing.  In my main settings virtual video is enabled.  I have restarted my computer logged out and back in and I am still unable to access the virtual backgrounds.  Would love some assistance on how to have my virtual backgrounds back. At this time I can't even get the blur as there isn't the option to get to that part of the settings.  Thank you