Canadian Retirees Visa

CPP for both of us is less than half the 22K. We started at age 60. Yes we worked for wages all our life. Your other assumptions are correct. We do not get the GIS(we still have some investment income) but know others who do, and have lots of $. There are other ways to have lots of $ and not get income from it....keep cash in a safety deposit box or under the mattress for example. We have no other pension than CPP and a small amount of investment income. I expect we will qualify for GIS in a few years.