You probably don't need anyone to tell you that times are tough for many people right now. The past year has seen a recession-driven increase in applications for Social Security retirement and disability benefit applications. These increases translate into busier offices and telephone lines.

So if you need information, or want to apply for benefits, visit the most conveniently located office Social Security has: our online office at www.socialsecurity.gov. There, you can apply online for retirement, spouses, and disability benefits. There's no need to fight the traffic to visit an office or wait for an appointment. Our website makes it simple, allowing you to apply for retirement benefits in as little as 15 minutes.

If you're not certain you're ready to apply, we have online resources that can help you decide. Our Retirement Estimator will allow you to enter different scenarios to come up with the retirement plan best for you. You can find it at www.socialsecurity.gov/estimator.

A Disability Starter Kit makes it easy to prepare for your disability application. The kit explains the documentation and information you'll be required to share on the application, and includes checklists and worksheets to help take the mystery out of applying. You can find the Disability Starter Kit at www.socialsecurity.gov/disability on the left-hand side of the page.

There are other things you can do online, such as applying for a replacement Medicare card, and requesting an SSA-1099 for tax purposes. You can learn about these and other online services at www.socialsecurity.gov/onlineservices.

When you are ready to apply for Social Security benefits, everything you need is at your fingertips. Just visit www.socialsecurity.gov/applyonline.

Ginny Jordan is a Public Affairs Specialist for the Social Security Administration. Her weekly column on all things Social Security appears in the Sunday Edition of the Sun-Sentinel.

Ginny has agreed to let us reprint her articles here for your convenience.

Thank you Ginny!