Crossword Genius

Retired lady with no clothing has to remain inside (4)

Ross

I believe the answer is:

abed

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

'retired' is the definition.
(I've seen this in another clue)

'lady with no clothing has to remain inside' is the wordplay.
I cannot quite see how this works, but
'remain' could be 'be' (eg be patient, remain patient) and 'be' is found in the answer.
The remaining letters 'ad' 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?

(Other definitions for abed that I've seen before include "Not yet up (archaic)" , "in retirement, possibly?" , "Retired for the night" , "Tucked up for the night" , "in a comfortable position" .)

I've seen this clue in The Independent.
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