Wound when overdue to receive free care (8)
I believe the answer is:
lacerate
'wound' is the definition.
(I know that lacerate is a more specific form of the action wound)
'overdue to receive free care' is the wordplay.
'overdue' becomes 'late' (similar in meaning).
'to receive' is an insertion indicator.
'free' is an anagram indicator.
'care' is an anagram of 'acer'.
'late' placed around 'acer' is 'LACERATE'.
'when' is the link.
(Other definitions for lacerate that I've seen before include "Tear or make deep cuts" , "Tear, wound, hurt" , "Cut, leaving jagged edges" , "Clare ate (anag)" , "Tear or cut (flesh) deeply" .)