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Almost secure cover for one who's retired (7)

Ross

I believe the answer is:

nightie

I'm a little stuck... Click here to teach me more about this clue!

'cover for one who's retired' is the definition.
I can't tell whether this definition defines the answer.

'almost secure' is the wordplay.
'almost' becomes 'nigh' (nigh can mean almost or nearly).
'secure' becomes 'tie' (tying is a kind of securing).
'nigh'+'tie'='NIGHTIE'

Can you help me to learn more?

(Other definitions for nightie that I've seen before include "put on at end of day?" , "Light sleeping gown" , "Lingerie item" , "Woman's bedwear" , "Bedtime attire" .)

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