Now employees have to be obliged (3)
I believe the answer is:
'be obliged' is the definition.
(I've seen this before)
'now employees have' is the wordplay.
'have' says the answer is hidden in the clue.
'OWE' is hidden within 'now employees'.
'to' acts as a link.
(Other definitions for owe that I've seen before include "Are debtors" , "Have a debt to (someone)" , "Have obligation to pay" , "Be in debt - woe is me" , "Have to thank" .)