22 across
Chip
in
bone
has
opened
cut,
note,
after
surgery
(10)
Chip in bone has opened cut, note, after surgery (10)
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The definition is at the beginning of the clue.
How the clue works
So Chip in is your definition — it means to contribute. For the wordplay, you anagram CUT NOTE (the 'after surgery' signal) to get a partial result, then open it up to slot in RIB — one of those bones in your chest — giving you the full ten-letter answer.