Scared of working if retired (9)
I believe the answer is:
terrified
'scared' is the definition.
(terrifying is a kind of scaring)
'working if retired' is the wordplay.
'working' indicates anagramming the letters.
'if'+'retired'='ifretired'
'ifretired' is an anagram of 'TERRIFIED'.
'of' acts as a link.
(Other definitions for terrified that I've seen before include "Scared stiff" , "Panic-stricken - dire refit (anag)" , "Extremely frightened" , "Greatly frightened" .)