“There is no reason he should be homeless, unless gambled it all away or something”
but you get your pension month-by-month don’t you?
That would depend on whether he could legally access it before he should have. My father worked for the Canadian federal government and he was allowed to borrow from it for retirement age, which he did to get a down payment for a house. He was also allowed to pay it back and could even buy points to increase his pension size when he did retire.