Crossword Genius

Initially a pensioner (3)

Ross

I believe the answer is:

oap

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

'pensioner' is the definition.
(old age pensioner)

'initially a' is the wordplay.
I cannot quite see how this works, but
'a' is found in the answer.
The remaining letters 'op' is a valid word which might be clued in a way I don't understand.
This explanation may well be incorrect...

Can you help me to learn more?

(Another definition for oap that I've seen is " senior citizen".)

I've seen this clue in the Evening Standard.
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