Crossword Genius

Worth may be raised in retirement (5)

Ross

I believe the answer is:

merit

'worth' is the definition.
(I know that merit is a type of worth)

'raised in retirement' is the wordplay.
'raised' says the letters should be written in reverse (going up in a down clue).
'in' indicates a hidden word.
'tirem' is hidden within 'retirement'.
'tirem' back-to-front is 'MERIT'.

'may be' is the link.

(Other definitions for merit that I've seen before include "Just deserts" , "credit" , "Earn" , "Rate" , "Excellence, worth" .)

I've seen this clue in The Telegraph.
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