AP Photo

This Labor Day, more of our grandparents may be working a cashier's line, waiting tables or preparing lessons for the first day of school. Remember those happy TV commercials of seniors having the time of their lives, retiring in comfort and dignity after a lifetime of work? They're a dying dream for most older Americans. And that's something we can't let happen.

With the average retirement age at 65 and increasing, Americans are already working longer than their counterparts in other developed countries. Over a third of workers now plan to retire later than age 65, compared with just 12 percent in 1995.