Who remains responsible for the continuance of benefits for a disabled person after a policy discontinuation followed by a replacement?

In the context of insurance policies, when a person becomes disabled and their insurance policy is discontinued or replaced, it's crucial to determine who will continue to provide benefits during the period of disability. The old insurer remains responsible for the continuance of benefits in this situation because they are still obligated to honor the coverage provided under the prior policy as long as the disability occurred while the policy was in force.

This responsibility hinges on the principle that existing claims are protected. Even if the policyholder has transitioned to a new insurer, the former coverage terms continue to apply for claims arising from incidents or conditions that occurred before the replacement. Therefore, if benefits were being provided under the original policy at the time of disability, the old insurer must continue paying those benefits until the disabled individual is no longer eligible or until their condition improves, ensuring that they are not left without necessary care or support.

Understanding this contractual obligation helps clarify the duties of insurers in situations involving policy changes and the continuity of care for disabled persons.