Unable to get pay, keeping quiet, needing temporary shelter (11)
I believe the answer is:
incompetent
'unable to' is the definition.
(thesaurus)
'pay keeping quiet needing temporary shelter' is the wordplay.
'pay' becomes 'income' (I've seen this before**).
'keeping' indicates putting letters inside.
'quiet' becomes 'p' (music symbol for 'piano').
'needing' means one lot of letters go next to another.
'temporary shelter' becomes 'tent' (I've seen this before).
'income' enclosing 'p' is 'incompe'.
'incompe'+'tent'='INCOMPETENT'
'get' acts as a link.
(Other definitions for incompetent that I've seen before include "Inadequately skilled" , "cowboy" , "Bungling" , "Useless" , "Lacking in necessary skills" .)