This question relates to a specific IP claims management case (case D) where: Claimant is unable to undertake any work due to a degenerative heart condition, which was known to the claimant at the time the policy was put in force. The claimant is a member of a group income protection scheme that applies an ’any occupation’ definition and has a free cover limit in excess of the claimant’s salary. In the solution one of the suggestions was: "The insurer could check whether there is any individual IP insurance, or group IP insurance from a previous employer, that may also be paying out." I'd like to know how this works in practice? I'm surprised to know this can be done by passing the claimant due to privacy concerns; or is this solution suggesting the insurer should check with the claimant?