It may be surprising to some people to learn that, even today, about one in three older Americans relies on Social Security for 90 percent or more of total family income.

The average monthly Social Security benefit for a retired worker in 2008 is $1,079; for a worker and his or her spouse, the figure is $1,761. That income is enough to keep individuals and couples above the poverty level - but just barely.

Here is a message about Social Security that bears repeating: Social Security is intended to serve as a financial foundation for your retirement years, but not as your sole source of income. For the average American worker, Social Security will replace about 40 percent of his or her preretirement earnings. However, according to financial experts, you probably will need at least 70 percent of your annual working income when you retire to enjoy a comfortable lifestyle. The remaining 30 percent or more will need to come from private pension plans, savings or investments.

If you want to enjoy a long awaited retirement, you will need to plan and save for it.

Workers age 25 and older receive a Social Security Statement in the mail about three months before their birthday. It is suggested that you review this statement, since it will provide you with estimates of your future Social Security benefit, along with other important Social Security information.

For further information, visit www.socialsecurity.gov

Question and Answer

Q.

Can I

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apply for retirement benefits online?

A.: Yes, you can. You'll find the application information at www.socialsecurity.gov/r&m2.h tm. You also can calculate your estimated benefits by going to www.socialsecurity.gov/planne rs/calculators.htm. File online and save a trip to the office.

Reaching age 65 or full retirement age in 2008? - If you will turn 65 or reach full retirement age in 2008 and have not filed a Social Security or Medicare application, we can provide you with information that will be helpful in determining when to file an application. Mail us the following information:

- Your name.
- Social Security number.
- Estimated 2007 earnings.
- Estimated 2008 earnings.
- Complete mailing address.
- Telephone number (both home and work).
-Date of birth.
- If you plan to retire in 2008, month in which you would.
- Spouse's Social Security number.
- Spouse's date of birth.
- If spouse is deceased, give date of death.

Send it to: Your Social Security, Social Security Administration, 3885 Main St., 3rd Floor, Bridgeport CT 06606. Attn: A. Renzoni.

Anthony Renzoni is district manager of the Bridgeport office of the Social Security Administration. His column appears every Monday.