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Changed doctor and stopped accepting life without protection (8)

Ross

I believe the answer is:

modified

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

'changed doctor and stopped accepting life without protection' is the definition.
I can't judge whether this definition defines the answer.

'changed doctor and stopped accepting life without protection' is the wordplay.
'changed doctor' becomes 'mo' (medical officer. I am not sure about the 'changed' bit.**).
'and' is a charade indicator (letters next to each other).
'stopped' becomes 'died'.
'accepting' means one lot of letters goes inside another.
'without protection' says to take the centre (no outside letters).
The centre of 'life' is 'if'.
'died' enclosing 'if' is 'dified'.
'mo'+'dified'='MODIFIED'

Can you help me to learn more?

(Other definitions for modified that I've seen before include "Altered, qualified" , "Changed slightly, form or quality" , "Made minor changes to" , "Changed or qualified" , "Reformed" .)

I've seen this clue in The Telegraph.
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