Return to enter shelters for the poor (4-4)

I believe the answer is:

have-nots

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

'return to enter shelters' is the wordplay.
'return' is a reversal indicator.
'enter' means one lot of letters goes inside another.
'shelters' becomes 'havens' (haven is a kind of shelter).
'to' back-to-front is 'ot'.
'ot' placed into 'havens' is 'HAVE-NOTS'.

'for' acts as a link.

(Another definition for have-nots that I've seen is " People who do not possess wealth or privilege".)

I've seen this clue in The Irish Times.

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