Against what things? The US government spends over 2 trillion dollars each year providing resources to elderly and disabled people through the Social Security and Medicare programs. I don't think "free ride" is exactly the right way to phrase this - we live in a society, we're obligated to take care of those who can't take care of themselves - but basically nobody in the modern US argues that old people should starve if their nest egg isn't big enough. The debates are about precisely how generous the funding should be and what tradeoffs we should make to obtain additional funding that may be required.