timely and adequate notice 2. confronting adverse witnesses 3. oral presentation of argument 4. oral presentation of evidence 5. cross-examination of adverse witnesses 6. Disclosure to the claimant of opposing evidence (discovery) 7. Right to retain an attorney (not right to have one provided) 8. Determination on the record of the hearing 9. Statement of reasons for determination and indication of evidence relied on 10. Impartial decision maker