I ruff (high)+play the ace of trumps.
Suppose they both follow. Small trump to dummy, then:
A) If both follows hearts from top, if nothing interesting happens 3. heart hoping to find heartQ+clubK together, or if LHO won club guess...

If LHO had 3 trumps heartJ from dummy, intending double finess.
C) If RHO has 3 trumps club ace club, hoping KJ or KJx (or Kxx.... and duck) at LHO, and playing for heart drop if no success in clubs.
Assuming hearts are 3-2 (2 on my left) double finessing or just running the jak and playing for drop if covered are equal chances, playing for the drop is slightly superior, the latter helps even when the Q falls from the other side.
The advantege of the double finess is that it caters also DTxx onside-very inprobable if LHO had trump shortness.
S: 5D
Lead: SK