While we are on the subject of body image/issues, it always saddens me to hear when women stop wearing a bathing suit. In a perfect world, there shouldn't be any reason why anyone should stop wearing one.
I remember 30 years ago on the Cote d'Azur (aka French Riviera), everyone wore a bikini. It didn't matter what your body type or what your age. (It probably wasn't due to women's lib; the men strutted the beach in their speddo's while their wives tanned their bellies) While this is a refreshing thought, sometimes I think modesty is very chic.
I have been taking notes on the subject (kidding), and in my humble opinion, any cover-up that is water-worthy works. You can find them in the bathing suit section. A tee shirt doesn't work as well. I see many women sporting swimmer shorts over a one-piece, or a swim-dress--and they look great and not old lady. My big thing is a swim skirt. Hey, I get my mini-skirt fix and it covers the real jiggly stuff.