Crossword Genius

One not into unions receiving zero work benefits (10)

Ross

I believe the answer is:

allowances

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

'benefits' is the definition.
The answer and definition can be both human attributes as well as being plural nouns.
Maybe they are linked in a way I don't understand?

'one not into unions receiving zero work' is the wordplay.
I cannot quite understand how this works, but
'one' could be 'an' (an apple is one apple) and 'an' is present in the answer.
'not' could be 'o' (I've seen this in other clues) and 'o' is found within the answer.
'work' could be 'w' (physics abbreviation) and 'w' is found in the answer.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for allowances that I've seen before include "rations" , "excuses" .)

I've seen this clue in The Independent.
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