United States General Accounting Office

GAO Report to the Chairman, Subcommittee

on Social Security, Committee on Ways

and Means, House of Representatives

May 1997 SSA BENEFIT ESTIMATE

STATEMENTS

Additional Data Needed to

Improve Workload

Management

GAO/HEHS-97-101

GAO United States

General Accounting Office

Washington, D.C. 20548

Health, Education, and

Human Services Division

B-266284 

May 20, 1997

The Honorable Jim Bunning

Chairman, Subcommittee on Social Security

Committee on Ways and Means

House of Representatives

Dear Mr. Chairman:

The Congress enacted legislation in 1990 requiring that the Social Security

Administration (SSA) begin providing the public with annual statements

about its Social Security earnings records and estimates of the amount of

benefits individuals may receive. These statements, called Personal

Earnings and Benefit Estimate Statements (PEBES), have been available to

the public upon request since 1988; however, the legislation required SSA to

start sending these statements automatically in fiscal year 1995 to workers

reaching age 60 and older. Starting in fiscal year 2000, SSA must mail the

PEBES annually to nearly every U.S. worker aged 25 and older—an

estimated 123 million people. SSA projects that this effort will cost almost

$77 million in fiscal year 2000 alone, including $48 million for production

costs, such as printing and mailing the statement, and $29 million for

personnel costs.

The PEBES supplies workers with information about their earnings as

recorded by SSA and their eligibility for Social Security retirement,

survivors, and disability benefits. In addition, the statement provides

estimates of these benefits and explains Social Security programs,

instructing individuals to call SSA if they have questions or believe their

earnings information is incorrect. The public depends on SSA to maintain

accurate earnings records because individuals’ benefits are based on these

records. Most of SSA’s PEBES work involves handling the public’s questions

and making necessary corrections to individual earnings records.

As SSA implements the PEBES requirements, it is facing increasing

responsibilities in many other areas as well. By the year 2015, when baby

boomers begin entering their mid-60s, the number of individuals receiving

benefits will reach an estimated 50.4 million, a much larger number than

the 37.4 million individuals receiving Social Security retirement and

survivors benefits in 1995. Meanwhile, the Congress and SSA have begun to

emphasize providing the public with service that is timely, accurate, and

courteous. In the current fiscal environment, SSA is struggling to manage

its growing workloads and responsibilities with fewer resources.

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Concerned about the success of the PEBES initiative, you asked us to

examine SSA’s progress in implementing the PEBES requirements. In our

previous PEBES testimony and report, we addressed how effectively the

PEBES conveys information to the public and the reasonableness of its

benefit estimates.1

 This report addresses the PEBES’s impact on SSA’s

work—specifically, how well SSA has prepared for the increasing workload

resulting from implementing the PEBES requirements and whether SSA’s

PEBES management and performance could be improved. To perform our

review, we examined the results of the tests SSA used to estimate its future

work requirements, SSA’s PEBES budget, and workload statistics from 1995

and 1996. In addition, we met with SSA officials from the PEBES project and

retirement benefits experts. We also met with SSA staff who respond to

public inquiries and observed them as they answered almost 100 telephone

calls. We conducted our work from October 1996 to March 1997 in

accordance with generally accepted government auditing standards.

Results in Brief SSA officials believe they will be able to handle the increasing work

expected to result from the PEBES initiative; however, they lack enough

information upon which to base this conclusion. Even though SSA has

made two test mailings to estimate the effects of sending mandated

statements and has more than 2 years’ experience in mailing the PEBES, the

agency has not collected reliable data on either the number of people who

call or visit SSA with PEBES questions or the number of earnings corrections

resulting from the PEBES mailings.

SSA could better manage the potential workload resulting from the PEBES

initiative if it began now to collect more complete and accurate data on

the effects of mailing the mandated statements. With these data, the

agency could monitor the volume of work, assess the adequacy of its

implementation plans, and have an early warning of problems so that it

could adjust its plans before service to the public would be impeded. For

example, if SSA would find that it needs additional staff to answer

telephone calls, it may need lead time to install more telephones and train

additional staff. Without adequate advance warning to complete these

activities, callers may have to endure longer waiting times. Moreover,

better data on the reasons people call and the problems they are having

with their PEBES would provide SSA with valuable information to help

improve the statement.

1

SSA Benefit Statements: Statements Are Well Received by the Public but Difficult to Comprehend

(GAO/T-HEHS-96-210, Sept. 12, 1996) and SSA Benefit Statements: Well Received by the Public but

Difficult to Comprehend (GAO/HEHS-97-19, Dec. 5, 1996).

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Background The Omnibus Budget and Reconciliation Acts of 1989 and 1990 require SSA

to provide most workers aged 25 and older with annual unsolicited PEBES

statements starting in fiscal year 2000.2 The PEBES supplies information to

workers on their year-by-year earnings as recorded by SSA, their eligibility

for Social Security retirement, survivors, and disability benefits, and the

estimated dollar amount of these benefits.3

 The statement also describes

Social Security programs and benefits.4

 The legislation requires that SSA

mail the PEBES according to the schedule shown in table 1.

Table 1: PEBES Mandated Mailing

Requirements and Schedule

Fiscal year

Individuals to receive

PEBES SSA’s volume estimates

1995 Age 60 and over 6.7 milliona

1996-1999 Turning 60 during the year 1.6 to 1.8 million annually

2000 and beyond Age 25 and older 123 million annually

aThis is SSA’s total of mandated statements actually mailed in fiscal year 1995.

SSA officials have, however, modified this schedule to better manage the

impending workload. SSA assumes that individuals are most likely to

contact the agency with questions or earnings corrections when they

receive their first mandated PEBES because in many cases this will be the

first time they have received a notice from SSA. Therefore, SSA officials

decided to mail a larger number of statements earlier than fiscal year 2000

to distribute the work involved in first-time mailings over several years.

Under SSA’s accelerated schedule, more than 70 million individuals will

receive their first PEBES before fiscal year 2000, leaving just over 50 million

to receive their first PEBES in fiscal year 2000. Table 2 compares the volume

of statements to be mailed according to SSA’s accelerated mailing schedule

with that to be mailed according to the mandated mailing schedule as

required by the PEBES legislation.

2

The 1989 act required SSA to send a PEBES every 2 years to those who have a Social Security

number, have wages or net earnings from self-employment, are not currently receiving Social Security

benefits, and have a current address obtainable by SSA. The act was amended in 1990 to require annual

mailing of these statements.

3

The legislation requires estimates of retirement benefits only for individuals aged 50 and older. SSA,

however, has chosen to provide retirement benefit estimates to individuals of all ages to simplify the

preparation of the statements.

4

App. I contains a copy of a 1996 PEBES, which has been slightly reduced to fit on the page.

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Table 2: Comparison of SSA’s Mailing

Volume Estimates for the Mandated

and Accelerated Schedules Fiscal year

In millions

1995a 1996 1997 1998 1999

2000 and

beyond

Mandated 6.7 1.6 1.7 1.8 1.8 123.0

Acceleratedb 6.7 5.0 10.0 20.0 30.0 123.0

aFor fiscal year 1995, SSA mailed a PEBES only to those required by the mandated schedule,

individuals turning age 60 or older.

bThe accelerated schedule began in fiscal year 1996, when SSA mailed a PEBES to individuals

turning age 60, as mandated, as well as those turning age 58 and 59 during the year. As SSA

continues the accelerated schedule in subsequent years, it will mail a PEBES to increasingly

younger people until people as young as 25 receive a PEBES in fiscal year 2000.

SSA’s goals for the PEBES include to (1) better inform the public of potential

benefits under SSA’s programs, (2) help individuals plan for their financial

futures, and (3) help individuals ensure that their Social Security earnings

records are complete and accurate. Accurate records are important

because both an individual’s eligibility for benefits and the amount of

benefits are based on the earnings recorded by SSA. Without the PEBES,

individuals would most likely learn of inaccuracies in their earnings

records5

 only when they file a claim for benefits. By reviewing their PEBES,

however, individuals can identify problems with their earnings records

earlier. This early identification is thought to be less time consuming for

SSA and the public because the information needed to correct the problem,

such as a copy of the W-2 form showing the earnings in question, is more

likely to be readily available closer to the time earnings are reported to

SSA.

The PEBES Process Individuals have been able to request a PEBES from SSA since 1988, and

about four million people have done so each year.6

 Therefore, as SSA began

its preparations for the unsolicited mailings, it had some experience with

issuing relatively small numbers of the PEBES to serve as a basis for the

larger mailings. The work of mailing the PEBES falls into two categories:

5

Overall, the chance of SSA’s incorrectly recording a wage is slight. According to SSA’s Accountability

Report for Fiscal Year 1996, 99 percent of reported earnings are posted accurately to individuals’

records. This accuracy rate, however, still results in more than 2 million in earnings items each year

that cannot be linked to specific individuals’ records.

6

To enable individuals who request a PEBES to more easily obtain one, SSA began providing the

statement through the Internet in March 1997. This immediately raised privacy and security concerns,

prompting SSA to suspend the service. For more information on this issue, see Social Security

Administration: Internet Access to Personal Earnings and Benefits Information

(GAO/T-AIMD/HEHS-97-123, May 6, 1997).

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(1) steps taken before the statements are mailed and (2) steps resulting

from mailing the statements. Figure 1 depicts the process SSA uses to issue

the PEBES.

Figure 1: The PEBES Work Process

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B-266284 

Most of the work done before mailing the PEBES is computerized or

contracted out. For example, SSA uses its computers to compile

information from each individual’s earnings record and calculate the

benefit estimate. SSA then electronically transmits this information to a

contractor for printing and mailing the statements. After individuals

receive the statements, those who have questions or discover problems

with their earnings as recorded may contact SSA. Unlike the work required

before mailing the PEBES, responding to these questions and earnings

problems can be time consuming and labor intensive.

Individuals who have questions or problems about their PEBES have

options for contacting SSA: calling SSA’s national 800 number, which is

answered at 1 of the 37 teleservice centers; calling or visiting one of SSA’s

1,300 field offices; or calling a PEBES-specific 800 number, which is

answered by staff in the Division of Certification and Coverage (DCC) of

the Office of Central Records Operations (OCRO). OCRO maintains records

of individuals’ earnings and prepares benefit computations. The PEBESspecific 800 number appears in the statement to encourage PEBES

recipients to contact SSA through DCC; however, individuals also can and do

contact the teleservice centers and field offices7

 with PEBES questions.

Workers in all of these offices can answer public inquiries, which range

from simple questions about the reason SSA sends out the statement to

detailed questions about SSA’s programs and benefits. In addition, when

individuals identify earnings problems, workers can sometimes resolve

them during the initial contact with the individual. Other earnings

problems, however, are more time consuming. For example, if the

earnings occurred before 1978, SSA staff may have to manually search

through older records on microfiche to identify the problem, or SSA may

have to wait for the individual to document the earnings in question to

correct the problem.

SSA Lacks

Information Needed

to Effectively Prepare

for Future PEBES

Workload

Although SSA officials believe the agency will be able to handle the

increasing work likely to result from the PEBES initiative, they lack

sufficient information to ensure that SSA is fully prepared for this

workload. Specifically, SSA has not collected reliable data on either the

number of people who contact SSA with questions about the PEBES or the

number of earnings corrections resulting from the PEBES mailings.

7

As required by the Congress, many of the field office numbers are listed in the telephone book.

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SSA Lacks Information on

the Results of the PEBES

Mailings

SSA officials believe they will be able to handle the work expected from

future PEBES mailings; however, in making this assessment, SSA has relied

on information that is less complete and useful than it could be. To

estimate the effects of the mandated PEBES mailings on its staffing and

operations, SSA conducted two tests. The first test, completed in 1994,

tracked the work resulting from mailing the PEBES to a sample of more

than half a million individuals aged 26 through 65. In conducting this test,

however, SSA did not collect reliable data on the number of people who

contacted SSA with questions about the PEBES or the reasons for these

inquiries. SSA asked workers in the field offices and teleservice centers to

manually tally the inquiries resulting from the test mailings, but some SSA

officials expressed doubt about the accuracy of data collected using this

approach. They said that manual tallies often do not provide SSA with

dependable information. For example, officials told us that they believed

these staff did not consistently record all PEBES-related contacts and some

staff included other types of contacts in their tallies. SSA collected data on

the volume of calls DCC handled through its telephone system; however, it

could not identify how many of these inquiries were related to the test

mailings.

The second test was designed, in part, to estimate the effect on the volume

of inquiries of mailing the PEBES to the same individuals 2 years in a row.

This information should help SSA test its assumption that people are most

likely to contact the agency about their PEBES the first time they receive a

statement. On the basis of this assumption, SSA believes that the PEBES

workload will peak in fiscal year 2000 and quickly plateau at a lower level.

If SSA’s assumption is correct, then its strategy of mailing a PEBES to more

than half the individuals targeted to receive a PEBES before fiscal year 2000

will indeed help distribute the work over the next few years, and the PEBES

workload will decrease quickly after fiscal year 2000. On the other hand, if

SSA’s assumption is incorrect, it will be harder to predict when the volume

of PEBES work will level off or begin to decrease. Consequently, staff that

SSA assumes will be available for other work after fiscal year 2000 would

still be needed to do the PEBES work. Although the test was conducted in

1995, SSA has yet to complete its analysis—nearly 2 years after collecting

the needed data.

Now that SSA has begun mailing the PEBES under its mandated and

accelerated schedules, it can monitor the actual impact of the PEBES

mailings on its operations. As with the test mailings, however, SSA is not

collecting sufficient data on the volume of and reasons for the PEBES

inquiries from the workers who deal directly with the public. As with the

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first test, SSA has collected data on the volume of calls handled through

DCC’s telephone system, but it cannot identify the number of such calls that

relate to the mandated PEBES. In addition, neither the 800-number

teleservice representatives nor field office personnel track the volume of

PEBES-related inquiries they receive.

Moreover, SSA cannot determine the number of earnings corrections

resulting from the PEBES mailings. SSA staff at teleservice centers, field

offices, and DCC may make earnings corrections for different reasons,

some of which do not relate to the PEBES mailings. For example, when the

computer records new earnings in individual earnings records, the

program used to enter the data also identifies potential problems. SSA staff

then review these potential problems in the earnings records and make

corrections if needed. Although SSA collects data on the total number of

earnings corrections made agencywide, it cannot differentiate

PEBES-related corrections from corrections made for other reasons.

SSA Cannot Be Sure It Is

Prepared for Future

PEBES Work

Because SSA has not fully tested or monitored the PEBES’s impact, the

agency does not know whether it will be able to effectively manage the

impending PEBES work. According to its fiscal year 1998 budget, SSA would

continue to direct most—an estimated 80 percent—of the PEBES work to

DCC through fiscal year 2001. The budget projects that the number of DCC

employees needed to complete this work will grow from 88 of its current

830 employees in fiscal year 1997 to an estimated 560 in fiscal year 2000,

when SSA begins mailing 123 million mandated statements per year.8 SSA

officials told us, however, that they recognize that DCC, as early as fiscal

year 1999, will not be able to absorb all of the future PEBES work while also

performing all of its other duties.

In response to this situation, agency officials plan to shift some of the

PEBES work to other units; however, they have not developed an explicit

time table for this nor have they decided where to shift this work. To make

this decision, SSA officials would have to compare the demands of the

PEBES work with the ongoing work of other units. For example, SSA is

considering directing the PEBES work to the teleservice centers by

changing the telephone number listed on the PEBES to the national 800

number. Yet, as we have found in our ongoing work, staff answering the

national 800 number have struggled to keep pace with the rapidly growing

call volumes, and SSA has initiated steps to improve callers’ access and

8

The budget refers to work-years, which in this context equals roughly the number of SSA employees

required to complete this work.

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reduce waiting times.9 If SSA directs the PEBES calls to the national 800

number without better data on the actual volume of PEBES-related calls it

anticipates, it may overburden the teleservice centers and diminish the

national 800 number’s level of service.

Moreover, SSA needs to begin collecting complete data on the volume of

PEBES inquiries now to allow sufficient lead time to prepare for any shift in

handling the PEBES work. For example, if additional staff are needed to

answer telephone calls, these staff may need training on the PEBES

requirements or on answering PEBES-related questions. In addition, SSA may

need to install more telephones or related support equipment. If lead time

to complete these activities is insufficient, callers may have to endure

longer waiting times and poor service once they reach a telephone

representative.

Finally, the option of shifting work to other units does not account for the

possible need for additional help for the field offices. If field offices

receive more calls or visitors due to the PEBES than they can handle, their

levels of service may suffer. Several field office managers told us that

relatively few PEBES recipients have contacted their office with questions

to date, but some expressed concern about what they believe will be a

likely increase in calls and visits to their offices in fiscal year 2000.

Collecting and Using

Key Data Could

Improve PEBES’s

Workload

Management

SSA could improve implementation of the PEBES initiative by collecting

more complete data on the volume of and reasons for work resulting from

the PEBES mailings. Better data on the reasons for inquiries resulting from

PEBES mailings could also help SSA improve the statement by identifying

parts of the statement that do not communicate clearly.

Improving PEBES

Implementation

More complete data on the effects of mandatory PEBES mailings would help

SSA determine these mailings’ potential impact on its operations, monitor

its ability to manage this growing workload, and make timely adjustments

to its implementation plans if needed. These data would help SSA decide

when and where to shift the PEBES work as it becomes too much for DCC to

handle. Specifically, SSA could collect more complete data on the number

of people who contact the agency with PEBES questions, the reasons for

their calls and visits, and the number of corrections made to earnings

9

Social Security Administration: More Cost-Effective Approaches Exist to Further Improve 800-

Number Service (GAO/HEHS-97-79, forthcoming report).

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records as a result of the PEBES mailings. For example, SSA could

systematically collect more detailed data from the DCC telephone staff who

have regular contact with the public. By making minor revisions to the

types of data staff collect for each telephone call, SSA could identify both

the number of calls that relate to the mandated mailings and the number

that result in earnings corrections. In addition, SSA could begin to collect

data on the number of PEBES-related calls to the national 800-number

representatives.10 SSA could also consider collecting more detailed data on

earnings corrections to allow it to differentiate PEBES-related corrections

from corrections made for other reasons.

Information on the workload effects of the mandatory mailings could also

indicate the need for more fundamental changes. For example, if SSA finds

it has underestimated the volume of work resulting from PEBES mailings

and it cannot handle this work without diminishing other services to the

public, one option would be to pursue actions to permit mailing the

statements less often. This would, however, require congressional action.

Although most private pension programs mail yearly statements to their

participants, none mails to 123 million people. We asked several benefit

experts for their opinions on how often the PEBES should be mailed to

individuals, but we found no consensus. Some believe that the PEBES

should be mailed annually, while others believe that a less frequent

mailing schedule would be adequate. SSA received more consensus from

the public on this subject. The majority of those responding to two public

opinion surveys conducted by SSA replied that they would be satisfied with

less frequent than annual PEBES mailings. For example, if SSA adopted a

3-year staggered cycle, it would mail approximately 41 million statements

a year in fiscal year 2000 and beyond rather than the projected 123 million

annual statements currently planned. This approach would also reduce the

estimated annual $48 million of production costs by one-third.

Improving PEBES

Redesign Effort

In addition to aiding SSA by providing early warnings of future problems,

more detailed and complete information on the volume of and reasons for

inquiries resulting from PEBES mailings could be used to help SSA ensure

that the PEBES communicates information to the public clearly and

effectively. We concluded in our December 1996 PEBES report that the

current statement does not clearly convey some of the complex benefit

and program information it contains. For example, PEBES 800-number

10The number of PEBES-related calls could be obtained as part of a larger effort to gather detailed

information on the reasons people call the national 800 number. In our forthcoming report on SSA’s

national 800-number service, we discuss the benefits of collecting more detailed data, which SSA could

use to better and more cost-effectively serve the public.

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telephone representatives told us that the public often asks questions

about the PEBES’s explanation of family benefits.11 These benefits are hard

to explain because their amounts depend on several factors. We

recommended that SSA revise the PEBES to improve its layout and design

and to simplify explanations. We also concluded that SSA can ensure that

its current redesign project targets the most significant weaknesses by

systematically obtaining more detailed information on the volume of and

reasons for PEBES inquiries being handled by the workers who deal directly

with the public. Information on the reasons for these inquiries could help

SSA better determine which parts of the statement pose problems for

recipients. Clarifying the PEBES could help to prevent unnecessary

inquiries, reducing some of the future PEBES work. In response to our

findings, SSA has recently begun collecting more detailed information on

the reasons for calls DCC handles. SSA’s current redesign effort is expected

to produce a new PEBES for the 1999 mailings.

Conclusions The PEBES will be sent to nearly every U.S. worker aged 25 and older in

fiscal year 2000 and beyond; yet SSA has not taken the necessary steps to

ensure that it is fully prepared for the potential workload. For SSA to better

manage the PEBES initiative and increase the likelihood of its success, the

agency needs to collect more complete data on the number of people who

contact SSA with questions about the PEBES, the reasons for their calls and

visits, and the number of corrections made to earnings records as a result

of the PEBES mailings. SSA needs to begin now to collect this information so

that it has enough time to make any adjustments for handling the PEBES

workload without compromising service to the public. In addition, SSA

needs to begin using these data in its current effort to redesign the PEBES

for its 1999 statement.

Recommendation to

the Commissioner of

Social Security

To better manage the PEBES initiative, we recommend that SSA

systematically collect more detailed feedback from the workers who deal

directly with the public on the number of and reasons for PEBES inquiries

and more detailed information on the number of earnings corrections

specifically linked to the PEBES mailings.

Agency Comments

and Our Evaluation

In commenting on a draft of this report (see app. II), SSA said that it

believes its current approach enables it to effectively monitor the PEBES

11SSA uses the term “family benefits” to refer to benefits paid to a worker’s spouse or young children

when the worker is retired or disabled.

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workload and assess the need for any changes in the process. SSA stated

that it has had 2 full years of experience with the PEBES workload and

believes that the data it currently collects on the number of PEBES-related

inquiries and earnings corrections are sufficient to project likely future

work.

We still believe, however, that SSA officials lack sufficient information to

ensure that SSA is fully prepared for the PEBES workload and that the

agency could better manage the potential workload with more complete

and accurate data on the effects of mailing the mandated statements.

Although SSA does collect data on certain aspects of the PEBES work, these

data are either not detailed enough or do not accurately reflect work

resulting from mandated PEBES mailings. For example, SSA officials stated

that the data collected from both the PEBES-specific 800 number and SSA’s

system for reviewing a sample of national 800-number calls provide

enough information to project the future PEBES-related inquiry workload.

SSA cannot identify, however, how many PEBES-specific 800-number calls

relate to the mandated PEBES mailings and how many calls result in

earnings corrections. SSA officials also stated that the data SSA collects on

the number of earnings corrections completed before a worker files a

claim for benefits can be used to project the impact of mailing the PEBES by

comparing the past volume of earnings corrections with current and future

volumes. As we reported, however, the data SSA collects on this type of

earnings correction also include corrections made for other reasons,

making it hard to isolate the effect of the PEBES mailings. SSA officials

stated that they would be interested in reviewing our suggestions about

specific data elements that could be collected to help estimate future

PEBES work. We will work with SSA personnel to provide specific

suggestions.

In addition, SSA stated that its current technology provides the flexibility to

direct the flow of PEBES-related work without adversely affecting service to

the public or burdening any single operations component. We agree that

SSA can shift the PEBES work by redirecting the telephone calls resulting

from the PEBES mailings. Given SSA’s emphasis on serving the public and

improving its national 800-number service, however, more complete data

on the volume of the PEBES workload will enable SSA to better monitor the

impact of the work on its operating units and make timely and wellplanned shifts to other units before service to the public would be

compromised.

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Finally, SSA agreed that redesigning the PEBES form is necessary and

reported that it has already begun taking steps to improve the statement.

We are sending copies of this report to the Acting Commissioner of Social

Security and other interested parties. Copies will also be made available to

others on request. If you or your staff have any questions about this report,

please call me on (202) 512-7215 or Cynthia Fagnoni, Assistant Director,

on (202) 512-7202. Other major contributors to this report include Kay

Brown, Evaluator-in-Charge; Hans Bredfeldt, Senior Evaluator; and Nora

Landgraf and Elizabeth Jones, Evaluators.

Sincerely yours,

Jane L. Ross

Director, Income Security Issues

Page 13 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Contents

Letter 1

Appendix I 

Personal Earnings and

Benefit Estimate

Statement

16

Appendix II 

Comments From the

Social Security

Administration

22

Tables Table 1: PEBES Mandated Mailing Requirements and Schedule 3

Table 2: Comparison of SSA’s Mailing Volume Estimates for the

Mandated and Accelerated Schedules

4

Figure Figure 1: The PEBES Work Process 5

Abbreviations

DCC Division of Certification and Coverage

OCRO Office of Central Records Operations

PEBES Personal Earnings and Benefit Estimate Statement

SSA Social Security Administration

Page 14 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Page 15 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 16 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 17 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 18 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 19 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 20 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix I 

Personal Earnings and Benefit Estimate

Statement

Page 21 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix II 

Comments From the Social Security

Administration

Page 22 GAO/HEHS-97-101 SSA Needs More Data About PEBES
Appendix II 

Comments From the Social Security

Administration

(105940) Page 23 GAO/HEHS-97-101 SSA Needs More Data About PEBES
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