6 reasons to start using the Social Security website now

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Social Security Administration workers, like many in the private sector, have had to do more with fewer resources. Since 2010, Congress has given the Social Security operating budget a 10 percent haircut. The agency’s answer to tight times has been to expand its services online.

While not every question can be answered electronically, Social Security expert Laurence Kotlikoff, co-author of “Get What’s Yours: The Revised Secrets to Maxing Out Your Social Security,” says choosing Social Security’s online option can give you more control than you have when you talk to a staff person — in person or on the phone — because nobody knows your personal details or desires better than you do.

Read on to learn about the services offered on Social Security’s website. Bankrate tells you when you should select the Social Security online option, as well as when you should deal with the agency in person or over the phone.