Thanks a lot for the clarification. Also, thank you for confirming the implied status. I can get the proof that I am included in her employer's insurance plan (this would be a joint thing) then I can provide some individual proofs that I live at the same address as my wife. However, we cannot provide proofs such as House ownership nor tenancy agreements, since we live at my in-law's house and we plan to live there for quite some time (2-3 years given the housing situation in Toronto)... but again the lawyer seemed to have missed these details... I am doing my homework now and looking up more information around. Other than a joint bank account, and the ownership/tenancy contracts what could be considered as joint (excluding insurance)?
On the checklist and guide in the application package it states the kind of documents they want (I’m not certain specifically what they recommend I just remember joint bank, utility bill, rental/lease agreement etc) These are recommendations not that you HAVE to provide these specifically because it then states if you don’t provide 2 (?) of these specific documents then provide additional proof of cohabitation.
So we wrote a letter explaining why we didn’t have the things they were looking for i.e just moved to Canada, can’t get a joint account because of visitors status, etc. and supplied a a few documents from uk to prove we’ve been cohabitating. Along with a couple creative things showing same address. (We too we’re living with family when we first moved). Joint things may also include utility bills.
But remember, you can prove cohabitation by including separate documents that show same address eg. Wife’s cell phone contract in her name and showing address, husbands cell phone contract in his name but showing same address...if that makes sense.
Basically if you don’t have exactly What they ask for in checklist then provide a small (3 documents or so) of bonafide cohabitation proof. Your insurance plan is good then maybe 2 other examples and a brief letter stating why you don’t have the documents requested in checklist.
They won’t reject your application so there’s nothing to stress over about it, if unsatisfied they send you a request for additional documents.
As you’ll soon find the wealth of experience and In depth knowledge on this forum can sometimes surpass even an immigration lawyer’s experience so this is a good resource for you to double check things for yourself.