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If you need to create a table in MS Word which is more complex than a standard 2x2 or 4x4 table, then try this.
Click the Tables and Borders button (on the toolbar to the left of the Insert Table button) and when the toolbar pops up, the cursor changes to a pencil.
This can be used to draw a new table or edit an existing one. If you want a new column, then draw one in. If you want to add a row, then draw one.
If you want to delete a line, then click on the rubber (next to the pencil on the toolbar) and drag over the line you want to delete.