QUESTION: I've decided I want to retire. How do I begin?

ANSWER: The fastest and easiest way to apply for retirement benefits is to go to www.socialsecurity.gov/applyonline. To use the online application to apply for Social Security retirement or spouse's benefits, you must:

Be at least 61 years and 9 months old;

Want to start your benefits in the next 4 months; and

Live in the United States or one of its commonwealths or territories.

If you are already age 62, your benefits could start as early as the month you apply.

If you are almost age 65, your application for benefits will include Medicare. Just visit www.socialsecurity.gov/applyonline.

QUESTION: How long does it take to complete the online application for retirement benefits?ANSWER: It can take as little as 15 minutes to complete the online application. In most cases, once your application is submitted electronically, you’re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if any further information is needed. There’s no need to drive to a Social Security office or wait for an appointment. To retire online, go to www.socialsecurity.gov/retireonline.

This column was prepared by the Social Security Administration. For answers to specific questions, call toll-free at 800-772-1213.