(a) With respect to providing a type of coverage for which § 1252.102 requires an extension of benefits for an individual with a total disability, a succeeding carrier replacing a previous carrier’s plan that is not subject to that section must provide, subject to Subsection (b), the lesser of:
(1) extended benefit coverage that the previous carrier would have been required to provide under § 1252.102 if the previous carrier had been subject to that section; or
(2) extended benefit coverage that the succeeding carrier is required to provide under § 1252.102.
(b) The extended benefit coverage may be reduced by any benefits actually payable under the previous carrier’s health benefit plan.