SPEAKER INDEX    CONTENTS   INSERTS   
BERNOSKI       100    102    140    141    142    146    148    149    150  
BUNNING         11     13     30     31     32     35     37     38     41  
                45     46     58     73     74     75     76     78     79  
                81     83     85     86     99    102    109    114    130  
               139    140    141    142    143    147    148    149    175  
CHRISTOPHER   147  
COLLINS         35     36     37     79     80  
COLVIN          13     14     31     32     34     35     36     37     38  
                39     42     43     44     46     47  
FRIED           33     42     43     44     46  
GARDINER       109    146  
GEIER           41     42     43     45     46  
HAYWORTH        38     39     41  
HILL           114    142    143  
KENNELLY        12     32     33     34     35     76     77     78     79  
                86    143    144    145    146    147  
LEVIN           83     84  
PORTMAN         41     42     43     44     81     82     83  
ROSS            58     73     74     75     76     77     79     80     81  
                82     83     84     85     86  
SHOR           130    143    144  
WILLMAN         86    139    140    144    145    150  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF CAROLYN W. COLVIN, DEPUTY COMMISSIONER, PROGRAMS AND POLICY, SOCIAL SECURITY 
ADMINISTRATION; ACCOMPANIED BY RITA GEIER, ASSOCIATE COMMISSIONER, HEARINGS AND APPEALS; AND  
ARTHUR  FRIED,  GENERAL  COUNSEL
                                                                 PAGE    14

STATEMENT OF JANE L. ROSS, DIRECTOR, INCOME SECURITY ISSUES, HEALTH, EDUCATION, AND HUMAN SERVICES 
DIVISION, U.S. GENERAL ACCOUNTING OFFICE; ACCOMPANIED BY CYNTHIA BASCETTA, ASSISTANT DIRECTOR, 
INCOME SECURITY  ISSUES,  HEALTH,  EDUCATION,  AND  HUMAN SERVICES  DIVISION
                                                                 PAGE    58

STATEMENT OF DOUGLAS W. WILLMAN, PRESIDENT, NATIONAL COUNCIL OF DISABILITY DETERMINATION DIRECTORS
                                                                 PAGE    86

STATEMENT OF HON. RONALD G. BERNOSKI, ACTING PRESIDENT, ASSOCIATION OF ADMINISTRATIVE LAW JUDGES,  
                                                                 PAGE   100

STATEMENT OF DEBI GARDINER, PRESIDENT-ELECT, NATIONAL ASSOCIATION OF DISABILITY EXAMINERS; 
ACCOMPANIED   BY   TOM   CHRISTOPHER,   PAST  PRESIDENT
                                                                 PAGE   109

STATEMENT OF JAMES A. HILL, PRESIDENT, NATIONAL TREASURY EMPLOYEES UNION, CHAPTER 224
                                                                 PAGE   114

STATEMENT OF NANCY G. SHOR, EXECUTIVE DIRECTOR, NATIONAL ORGANIZATION OF SOCIAL SECURITY 
CLAIMANTS'  REPRESENTATIVES
                                                                 PAGE   130


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING