70 independent living communities in Oceanside, NY have costs between $1,225 to $25,500, have input from 2,494 reviews, and 94% have photos. Seniors in an independent living community would appreciate Oceanside, New York, for its serene atmosphere and access to essential services tailored to their needs. The nearby Oceanside Park offers walking trails and recreational activities that encourage a healthy lifestyle, while the local library hosts regular programs like book clubs and lectures specifically designed for seniors. Additionally, the Oceanside Senior Center provides various social events and health workshops, fostering a strong sense of community among older residents.
#1 Best reviewed of 15 independent living in Oceanside
$4,095 to $8,995 per month
Atria Tanglewood offers a beautiful and welcoming environment with attentive staff, engaging activities, and convenient services that foster a sense of community and independence for its residents.
Great Staff
The Bristal At North Woodmere
4.3 from 64 reviews
#2 Best reviewed of 15 independent living in Oceanside
$3,700 to $8,300 per month
The Bristal at North Woodmere offers a warm, hotel-like environment with attentive staff and engaging activities that help residents thrive, though some families have raised concerns about communication and care consistency.
Cleanliness
Plattduetsche Home Society
4.8 from 29 reviews
#3 Best reviewed of 15 independent living in Oceanside
$3,650 to $6,250 per month
Plattduetsche Home Society is highly praised for its warm and welcoming environment, attentive staff, robust communication with families, enriching activities, delicious meals, and a strong sense of community among residents.
Great Staff
Nautilus Hotel
4.6 from 24 reviews
#4 Best reviewed of 15 independent living in Oceanside
$4,300 to $6,500 per month
The Nautilus offers a clean, caring environment with delicious food, friendly staff, a variety of activities, and beautiful beachfront views, making it an ideal choice for independent living seniors.
Cleanliness
The Bristal at East Meadow
3.9 from 28 reviews
#5 Best reviewed of 15 independent living in Oceanside
$4,500 to $8,300 per month
The Bristal at East Meadow is praised for its amenities, dedicated staff, and warm atmosphere, but potential residents should consider concerns about communication regarding health needs and safety measures during the pandemic.
Staff Professionalism
The Bristal at Garden City
4.2 from 19 reviews
#6 Best reviewed of 15 independent living in Oceanside
$6,300 to $8,500 per month
The Bristal at Garden City offers a friendly atmosphere with attentive staff and appealing amenities, but inconsistencies in service quality, particularly regarding dining and care during off-peak hours, warrant careful consideration by prospective residents' families.
Great Activities
The Bristal at Westbury
4.3 from 46 reviews
#7 Best reviewed of 15 independent living in Oceanside
$3,700 to $6,900 per month
Prospective residents' families should research senior communities like The Bristal, weighing positive experiences of exceptional staff and quality meals against concerns about communication and service inconsistencies.
Great Staff
Atria Cutter Mill
4.6 from 69 reviews
#8 Best reviewed of 15 independent living in Oceanside
$5,395 to $7,795 per month
Atria Cutter Mill is a highly regarded independent living community known for its friendly staff, vibrant atmosphere akin to a hotel, diverse activities, excellent dining options, and comfortable living accommodations that foster a supportive and welcoming environment for residents.
Great Activities
Atria On Roslyn Harbor
4.8 from 49 reviews
#9 Best reviewed of 15 independent living in Oceanside
$8,395 to $10,695 per month
Atria on Roslyn Harbor offers a nurturing and vibrant independent living environment for seniors, featuring dedicated staff, engaging recreational activities, quality dining options, beautiful surroundings, and a strong sense of community.
Cleanliness
Atria Kew Gardens
4.5 from 91 reviews
#10 Best reviewed of 15 independent living in Oceanside
$4,795 to $10,495 per month
Atria Kew Gardens is a highly-rated community known for its welcoming atmosphere, cleanliness, professional and attentive staff, engaging activities, quality food, spacious apartments, and effective communication with families.
Friendly Staff
Atria Forest Hills
4.7 from 89 reviews
#11 Best reviewed of 15 independent living in Oceanside
$6,495 to $7,495 per month
Atria Forest Hills is highly praised for its beautiful accommodations, attentive staff, vibrant community atmosphere, engaging activities, and a welcoming environment that fosters social connections among residents.
The Residences At Plainview
4.9 from 36 reviews
#12 Best reviewed of 15 independent living in Oceanside
The Residences At Plainview in Plainview, NY, while offering a range of amenities and activities, may not provide enough independence for those seeking a purely independent living environment.
Encore Luxury Living
4.7 from 21 reviews
#13 Best reviewed of 15 independent living in Oceanside
$6,500 per month
Encore Luxury Living in Jericho, NY offers a fully furnished community with abundant outdoor space and convenient access to cafes and essential services, but may lack independent living specific features.
Great Staff
The Bristal At Massapequa
4.2 from 57 reviews
#14 Best reviewed of 15 independent living in Oceanside
$2,490 to $8,000 per month
Reviews of The Bristal in Massapequa highlight a mix of high-quality care and attention to residents, alongside concerns about cleanliness, hidden costs, and personal item management, offering crucial insights for families considering independent living options.
Great Staff
The Residences at Plainview By Chelsea Senior Living
4.8 from 18 reviews
#15 Best reviewed of 15 independent living in Oceanside
$3,800 to $6,900 per month
The Residences at Plainview offers a welcoming community with attentive staff, spacious and modern apartments, engaging social activities, and responsive management committed to enhancing resident satisfaction.
The Bristal at Jericho
4.4 from 51 reviews
#16 Best reviewed of 15 independent living in Oceanside
The Bristal at Jericho, while offering a wealth of amenities and services for independent living, may lack privacy due to shared common areas and limited options for personalized dining experiences.
Clean Facility
Flushing House
4.6 from 54 reviews
#17 Best reviewed of 15 independent living in Oceanside
$3,300 to $4,250 per month
Flushing House offers a welcoming independent living community with spacious apartments, engaging activities, quality dining experiences, and ample amenities that foster social interaction and maintain residents' independence.
Great Staff
Atria Plainview
4.5 from 71 reviews
#18 Best reviewed of 15 independent living in Oceanside
$6,195 to $10,895 per month
Atria Plainview offers a vibrant, welcoming atmosphere with friendly staff and engaging activities that foster a strong sense of community for independent seniors, though potential residents should ensure the community meets their specific needs before moving in.
Great Staff
Dominican Village
4.4 from 72 reviews
#19 Best reviewed of 15 independent living in Oceanside
$4,939 to $6,782 per month
Dominican Village offers a pleasant atmosphere for Independent Living, but recent declines in meal quality, transportation fees, rising costs, and management's lack of compassion raise concerns for potential residents.
Great Dining
The Harborside
4.4 from 41 reviews
#20 Best reviewed of 15 independent living in Oceanside
$3,500 to $8,400 per month
The Amsterdam at Harborside offers attractive facilities with spacious apartments, engaging activities, and a strong staff commitment, but potential residents should carefully consider mixed reviews regarding care quality and dining costs before making a decision.
The Bristal at Bethpage
5.0 from 1 review
#21 Best reviewed of 15 independent living in Oceanside
Bristal Bethpage offers compassionate, personalized care, high-quality meals, and a supportive environment that fosters comfort and belonging for seniors transitioning to new living situations.
Great Staff
Brandywine Living At Huntington Terrace
4.4 from 44 reviews
#22 Best reviewed of 15 independent living in Oceanside
$4,867 to $6,753 per month
Brandywine Living is praised for its caring and attentive staff, vibrant social activities, clean and modern facilities, and a supportive environment that fosters meaningful connections among residents, making it an appealing choice for those seeking an independent living community.
Friendly Staff
Atria Glen Cove
4.4 from 61 reviews
#23 Best reviewed of 15 independent living in Oceanside
$4,295 to $8,095 per month
Atria Glen Cove in Oyster Bay, NY offers a warm, community-focused environment with engaging activities and compassionate staff, making it an appealing choice for seniors seeking independent living.
Friendly Staff
The Bristal at West Babylon
4.5 from 20 reviews
#24 Best reviewed of 15 independent living in Oceanside
$4,500 to $8,200 per month
The Bristal at West Babylon offers a beautiful, engaging environment with friendly staff and numerous activities, but potential residents should be cautious about staffing consistency and communication.
Great Staff
The Waterford On The Bay
4.2 from 60 reviews
#25 Best reviewed of 15 independent living in Oceanside
$4,313 to $8,561 per month
The Waterford on the Bay in Brooklyn, NY, offers a vibrant community with friendly staff and beautiful surroundings, though reviews highlight mixed experiences regarding food quality and engagement opportunities for residents.
Inspir Carnegie Hill
4.8 from 44 reviews
#26 Best reviewed of 15 independent living in Oceanside
Inspir Carnegie Hill offers a luxurious living experience with numerous amenities and activities, but it may not cater to those seeking fully independent living due to its focus on care services.
Friendly Staff
Atria Huntington
4.5 from 60 reviews
#27 Best reviewed of 15 independent living in Oceanside
$2,795 to $4,095 per month
Atria Huntington is highly regarded for its warm, family-like atmosphere, attentive staff, delicious dining options, and a wide range of engaging activities that promote social interaction and enhance the quality of life for residents.
The Bristal
4.6 from 34 reviews
#28 Best reviewed of 15 independent living in Oceanside
The Bristal in New York, NY offers comfortable independent living with various amenities and services, but potential downsides may include the bustling city environment and limited personal space due to shared facilities.
Great Activities
The Bristal At East Northport
4.7 from 70 reviews
#29 Best reviewed of 15 independent living in Oceanside
The Bristal Assisted Living at East Northport, NY offers an upscale, hotel-like environment with elegant dining, engaging activities, exceptional staff support, and well-maintained amenities that create a vibrant and fulfilling living experience for residents.
Friendship
Carnegie East House
4.4 from 32 reviews
#30 Best reviewed of 15 independent living in Oceanside
$5,450 to $7,000 per month
Carnegie East House offers a comfortable, supportive independent living environment with attentive staff, excellent dining options, engaging activities, and affordable rates, making it an appealing choice for families seeking quality care for their senior loved ones.
Friendly Staff
Atria Bay Shore
4.6 from 59 reviews
#31 Best reviewed of 15 independent living in Oceanside
$4,995 to $8,295 per month
Atria Bay Shore is a charming senior community set in a beautifully maintained mansion, known for its warm atmosphere, attentive staff who foster genuine relationships, and a robust calendar of engaging activities that promote social interaction and resident well-being.
Fairhaven
4.3 from 100 reviews
#32 Best reviewed of 15 independent living in Oceanside
Fairhaven in Brooklyn offers Independent Living with various amenities and nearby conveniences, but may lack sufficient privacy in communal spaces and limited options for culinary preferences outside of scheduled dining.
The Apsley by Sunrise
4.5 from 23 reviews
#33 Best reviewed of 15 independent living in Oceanside
$3,500 to $5,500 per month
The Apsley by Sunrise offers a comfortable independent living community in New York, featuring convenient amenities and activities, though the focus on specialized care and supervision may not appeal to those seeking a more self-sufficient lifestyle.
Great Staff
Brookdale Battery Park City
4.3 from 65 reviews
#34 Best reviewed of 15 independent living in Oceanside
$9,420 to $16,165 per month
Brookdale Battery Park City is praised for its dedicated staff and engaging community activities, but faces criticism for maintenance issues, poor food quality, and rising costs, requiring potential residents to weigh these factors when considering their options.
Chester Hill Adult Home
4.5 from 100 reviews
#35 Best reviewed of 15 independent living in Oceanside
$1,225 to $1,317 per month
Chester Hill Adult Home offers independent living for seniors in a secure environment with spacious apartments, engaging communal areas, and convenient access to local amenities and medical services, but those seeking solitude may find the communal aspects less appealing.
Friendly Staff
The Watermark at Brooklyn Heights
4.6 from 8 reviews
#36 Best reviewed of 15 independent living in Oceanside
$8,545 to $15,620 per month
The Watermark at Brooklyn Heights offers a sophisticated, well-maintained independent living community with professional staff, engaging activities, and a vibrant neighborhood atmosphere, making it an appealing option for seniors seeking comfort and connections.
Great Activities
Kittay Senior Apartments
4.5 from 42 reviews
#37 Best reviewed of 15 independent living in Oceanside
$2,350 to $3,750 per month
Kittay Senior Apartments offers a comfortable and vibrant community with well-maintained facilities, a friendly and attentive staff, engaging activities, and a convenient location near family support and resources, making it an excellent choice for independent living.
Cleanliness
Signature Senior Living
3.6 from 46 reviews
#38 Best reviewed of 15 independent living in Oceanside
$3,700 to $3,800 per month
Signature Senior Living offers engaging activities and caring staff but faces challenges with administrative communication and outdated facility conditions that potential residents should consider.
Ateret Avot
4.3 from 3 reviews
#39 Best reviewed of 15 independent living in Oceanside
$6,500 per month
Ateret Avot is a welcoming independent living community that offers a home-like atmosphere, friendly staff, clean and comfortable accommodations, and an active lifestyle with room for more resident activities.
Cleanliness
Willow Towers
4.6 from 10 reviews
#40 Best reviewed of 15 independent living in Oceanside
$5,475 to $7,875 per month
Willow Towers is a highly-regarded independent living community known for its friendly staff, pristine cleanliness, vibrant social activities, and quality dining options, creating an inviting and engaging atmosphere for residents.
Great Food
Atria West 86
4.3 from 81 reviews
#41 Best reviewed of 15 independent living in Oceanside
$8,000 to $14,900 per month
Atria West 86 in New York City is praised for its attentive staff and engaging social activities, though concerns about cleanliness and food quality suggest potential areas for improvement.
Norwegian Christian Home
3.3 from 47 reviews
#42 Best reviewed of 15 independent living in Oceanside
The Norwegian Christian Home in Brooklyn, NY offers a supportive environment for independent living seniors but may lack diverse dining options and cultural experiences.
Coterie Hudson Yards
4.7 from 9 reviews
#43 Best reviewed of 15 independent living in Oceanside
$11,000 to $25,500 per month
Coterie Hudson Yards in New York City is highly praised for its exceptional quality of care, vibrant community life with engaging activities, beautiful and well-maintained environment, and delicious dining options tailored to residents' needs.
Community Feeling
St Nicholas Home
4.2 from 24 reviews
#44 Best reviewed of 15 independent living in Oceanside
$1,450 to $3,000 per month
St. Nicholas Home offers a warm, community-oriented environment with compassionate staff, enjoyable activities, and quality meals, but there are opportunities for improvement in hygiene concerns and resident input on facility changes.
Great Staff
Harbour View Senior Living
4.5 from 44 reviews
#45 Best reviewed of 15 independent living in Oceanside
$3,250 to $5,000 per month
Harbour View Senior Living offers a clean, welcoming environment with compassionate staff, delicious and nutritious meals, and an efficient admissions process, though prospective residents should research activities and potential communication issues before making a decision.
Friendly Staff
Atria East Northport
4.5 from 55 reviews
#46 Best reviewed of 15 independent living in Oceanside
$5,695 to $6,895 per month
Atria East Northport is praised for its caring and professional staff, welcoming atmosphere, and appealing accommodations with engaging amenities, making it a strong choice for families seeking an independent living community for seniors.
Bayview Home for Adults
1.3 from 6 reviews
#47 Best reviewed of 15 independent living in Oceanside
Bayview Rest Home faces serious criticism for inadequate care, poor building maintenance, frequent plumbing issues, subpar food quality, insufficient staff training, and a lack of engaging activities.
Great Staff
Atria Riverdale
4.2 from 119 reviews
#48 Best reviewed of 15 independent living in Oceanside
$6,395 to $7,895 per month
Atria Riverdale is highly regarded for its attentive staff, engaging activities, clean and comfortable living spaces, and inviting atmosphere, making it a strong choice for independent living seniors.
Alma Rangel Gardens
4.7 from 3 reviews
#49 Best reviewed of 15 independent living in Oceanside
Alma Rangel Gardens is a well-equipped senior community in New York City offering fully furnished apartments, housekeeping, dietary accommodations, daily activities, and convenient access to local amenities for an engaging lifestyle.
Prospect Park Residence
2.0 from 2 reviews
#50 Best reviewed of 15 independent living in Oceanside
$3,300 to $5,900 per month
Prospect Park Residence in Brooklyn, NY, while offering a comfortable and supportive environment with personalized care and numerous amenities, may have limited on-site spiritual services and less variety in dining options for residents with specific dietary needs.
305 West End Assisted Living
5.0 from 2 reviews
#51 Best reviewed of 15 independent living in Oceanside
305 West End offers a vibrant independent living community in New York City with studio apartments, engaging activities, delicious dining, beautiful gardens, and compassionate support to enhance residents' quality of life.
Friendly Staff
Garito Manor Senior Residence
3.8 from 22 reviews
#52 Best reviewed of 15 independent living in Oceanside
$1,339 to $1,722 per month
Garito Manor Senior Residence is a well-regarded independent living community praised for its friendly staff, clean facilities, and vibrant resident interactions, though some issues with management and location were noted.
Social Interaction
Waterford Towers
4.0 from 42 reviews
#53 Best reviewed of 15 independent living in Oceanside
$2,060 to $2,500 per month
Waterford Towers is a vibrant independent living facility offering affordable amenities, a strong sense of community through shared dining and activities, positive staff interactions, and opportunities for social engagement, making it an appealing choice for seniors seeking an active lifestyle.
Coterie Hudson Yards
4.5 from 2 reviews
#54 Best reviewed of 15 independent living in Oceanside
Coterie Hudson Yards is a luxurious independent living community featuring gourmet dining by Michelin-star chefs, top-tier medical care, exceptional amenities like a gym and serene courtyard, and convenient shuttle services to nearby pools, though it caters only to affluent residents.
Friendly Staff
Birchwood Suites
3.9 from 39 reviews
#55 Best reviewed of 15 independent living in Oceanside
$3,500 to $4,000 per month
Birchwood Suites offers a warm and caring environment with attentive staff, but potential residents should be aware of concerns regarding staffing levels, limited engagement activities, communication issues, and inconsistent food quality.
Cleanliness
Isabella Geriatric Center
3.2 from 24 reviews
#56 Best reviewed of 15 independent living in Oceanside
$2,400 to $13,500 per month
The reviews of Isabella Center reveal significant concerns about staff shortages and care quality, contrasting with some positive experiences of cleanliness and attentive personnel, highlighting the need for improved management and operational conditions in senior care facilities.
Great Staff
VillageCare at 46 & Ten
3.8 from 4 reviews
#57 Best reviewed of 15 independent living in Oceanside
$4,180 per month
This senior living community offers a caring staff and creative activities but lacks outdoor spaces and has an inconvenient location, making it less suitable for those seeking independence and connection to nature.
Great Food
Five Star Premier Residences Of Yonkers
3.9 from 38 reviews
#58 Best reviewed of 15 independent living in Oceanside
$4,500 to $6,700 per month
Five Star Premier Residences of Yonkers offers an attractive community with a friendly staff, engaging activities, and a clean environment, but prospective residents should consider concerns about staffing levels and meal quality before making a decision.
Great Staff
West Seventy-Fourth Street Home
3.2 from 6 reviews
#59 Best reviewed of 15 independent living in Oceanside
West 74th Street Home offers caring staff and convenient Manhattan location with inclusive amenities, but it faces criticism for small rooms, limited modern features, and cleanliness issues.
Social Activities
Island Shores Senior Residence
4.0 from 9 reviews
#60 Best reviewed of 15 independent living in Oceanside
$2,200 to $2,800 per month
Island Shores Senior Residences features a friendly staff, clean facilities, and affordable living, but reviews indicate mixed experiences regarding amenities and entertainment options.
Great Staff
Meadowview at the Wartburg
3.0 from 3 reviews
#61 Best reviewed of 15 independent living in Oceanside
$3,400 to $4,070 per month
Wartburg's Meadowview has received mixed reviews, with commendations for caring staff but concerns about management, dietary options, food quality, and resident engagement.
Amazing Care
Pearl Garden Manor
3.5 from 6 reviews
#62 Best reviewed of 15 independent living in Oceanside
$1,600 to $3,200 per month
Potential residents and families should weigh both positive and negative reviews of a facility, considering factors like management quality, cleanliness, and overall environment to ensure it meets health standards and provides a supportive atmosphere.
The Osborn
4.5 from 2 reviews
#63 Best reviewed of 15 independent living in Oceanside
$4,869 to $6,368 per month
The Osborn is a prestigious senior living community known for its vibrant cultural activities, luxurious apartments, attentive staff, and opportunities for social engagement and personal choice in dining, making it an ideal choice for individuals seeking independent living.
Jonas Bronck Housing Co
4.0 from 22 reviews
#64 Best reviewed of 15 independent living in Oceanside
Jonas Bronck Housing Co, while conveniently located near caf?s, parks, pharmacies, restaurants, transportation options, a place of worship, a theater, and hospitals, may lack solitude due to its urban setting and proximity to multiple amenities.
Spacious
Hebrew Home For The Aged At Riverdale
4.5 from 2 reviews
#65 Best reviewed of 15 independent living in Oceanside
$3,500 to $10,500 per month
The Hebrew Home offers a clean, well-funded environment with a variety of activities, on-site medical care, and beautiful views of the Hudson River waterfront, making it an appealing choice for independent living.
Macedonia Towers
5.0 from 2 reviews
#66 Best reviewed of 15 independent living in Oceanside
Macedonia Towers is located in Mount Vernon, NY, but lacks on-site dining options and may have limited cultural activities beyond the nearby theater.
Fritz Reuter Altenheim
4.5 from 2 reviews
#67 Best reviewed of 15 independent living in Oceanside
Fritz Reuter Altenheim in Union City, NJ, offers independent living with amenities like furnished apartments and social activities but may not cater to those seeking a highly personalized or luxurious living experience.
RiverSpring Health
3.9 from 7 reviews
#68 Best reviewed of 15 independent living in Oceanside
RiverSpring Health in Riverdale, NY offers independent living with amenities for seniors but may lack personalized care and diverse activity options.
Ridge Street Gardens
#69 Best reviewed of 15 independent living in Oceanside
Ridge Street Gardens in New York, NY offers comfortable independent living for seniors with various amenities and nearby attractions but may lack sufficient on-site spiritual and entertainment options.
Plummer Pavillion
#70 Best reviewed of 15 independent living in Oceanside
$1,500 to $2,500 per month
Plummer Pavilion, located in the Bronx, offers limited independence due to its structured activities and communal living setup, which may not suit those seeking complete autonomy.
Best Pet Friendly Independent Living in Oceanside, NY
Dogs & Cats
Atria Tanglewood
4.5 from 59 reviews
$4,095 to $8,995 per month
Atria Tanglewood offers a beautiful and welcoming environment with attentive staff, engaging activities, and convenient services that foster a sense of community and independence for its residents.
Dogs & Cats
The Bristal At North Woodmere
4.3 from 64 reviews
$3,700 to $8,300 per month
The Bristal at North Woodmere offers a warm, hotel-like environment with attentive staff and engaging activities that help residents thrive, though some families have raised concerns about communication and care consistency.
Dogs & Cats
The Bristal at East Meadow
3.9 from 28 reviews
$4,500 to $8,300 per month
The Bristal at East Meadow is praised for its amenities, dedicated staff, and warm atmosphere, but potential residents should consider concerns about communication regarding health needs and safety measures during the pandemic.
Dogs & Cats
The Bristal at Garden City
4.2 from 19 reviews
$6,300 to $8,500 per month
The Bristal at Garden City offers a friendly atmosphere with attentive staff and appealing amenities, but inconsistencies in service quality, particularly regarding dining and care during off-peak hours, warrant careful consideration by prospective residents' families.
Dogs & Cats
The Bristal at Westbury
4.3 from 46 reviews
$3,700 to $6,900 per month
Prospective residents' families should research senior communities like The Bristal, weighing positive experiences of exceptional staff and quality meals against concerns about communication and service inconsistencies.
Considerations for seniors living in Oceanside, NY
Access to healthcare: Oceanside has several medical facilities, including hospitals and clinics that offer a range of health services to seniors.
Peaceful environment: Oceanside is a peaceful community with a low crime rate, making it safe for seniors to enjoy their sunset years.
Proximity to New York City: Oceanside is just 30 miles east of New York City, so seniors can easily visit the city's cultural landmarks and tourist attractions.
Diverse shopping experience: Seniors in Oceanside have access to a wide range of shops and markets offering food, clothing, and other items.
Active retirement communities: There are several active retirement communities in Oceanside that offer social activities, fitness classes, and other events designed to keep seniors active and engaged.
Accessible transportation options: Oceanside has an excellent public transportation system that provides easy access to nearby towns and cities.
Beautiful beaches: Oceanside boasts some of the most beautiful beaches in Long Island. Seniors can enjoy walks on the beach or take part in water activities such as fishing or kayaking.
Affordable cost of living: The cost of living in Oceanside is relatively affordable compared to other parts of Long Island, making it an attractive option for retirees on a budget.
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