Group and individual disability policy together

[Jhackett]

I have an individual disability policy that I bought several years back. I am an employed physician and recently found that my hospital has a group policy that I am also covered by. Therefore I have two separate policies - one the hospital provides and one I purchased on my own. The question is if I was to go on disability would the group policy through the hospital pay out their benefit or would they refuse payments because I would be 'double dipping' sort of speak.
Thanks for the help w this

[LBKCLU]

Yes, as long as you meet the definition of total disability found in each plan, you can potentially collect full benefits under both policies.