In Canada you can collect if you haven’t worked much. In fact you can do better than some who saved but didn’t save enough. A few years ago someone figured out that if you have $300,000 in your rrsp at retirement you would have been better off by saving nothing.
The government likes clawing back benefits from people they consider high earners. When you withdraw your rrsp it is considered income and you don’t qualify for some benefits.
When you finally go to a nursing home if you have money they charge you $4000 per month . If you don’t have money they charge about 1000 per month.