There is a need for Social Security reform to ensure its stability, and Congress must act.

To allow all U.S. workers to put part of their earnings into private investment accounts would definitely erode the Social Security system and cause uncertainty for new investors.

Latinos are disproportionately more likely to be injured on the job than other ethnic groups.

The president's claim that Social Security is going broke is misleading at best. The sky is not falling, although there is no doubt that the system needs to be strengthened.

Latinas' life expectancies are relatively long. When a current retiree hits 65 and begins receiving her benefit check, she can expect to live another 22 years. That life expectancy is higher than white women or men.

Our Hispanic community needs to understand how important the Social Security system is for not only its retired citizens, but also its disabled workers.

For people who have for been putting their hard-earned money into the system for years, the president's idea would replace their safety net with a risky gamble with no assurance of a stable return of investment.