Charges still regularly included - is disconcerting (7)

I believe the answer is:

rattles

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'is disconcerting' is the definition.
I can't judge whether this defines the answer.

'charges still regularly included' is the wordplay.
'charges' becomes 'rates' (rate is a kind of charge).
'regularly' indicates alternate letters (regularly take one letter, leave next etc.).
'included' means one lot of letters goes inside another.
The alternate letters of 'still' are 'tl'.
'rates' enclosing 'tl' is 'RATTLES'.

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(Other definitions for rattles that I've seen before include "Noisy toys for babies" , "Starlet (anag)" .)

I've seen this clue in The Independent.

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