diff --git a/server/jetstream_cluster.go b/server/jetstream_cluster.go
index 3d0a580b..1ce61c92 100644
--- a/server/jetstream_cluster.go
+++ b/server/jetstream_cluster.go
@@ -3572,13 +3572,18 @@ func (o *consumer) streamAndNode() (*stream, RaftNode) {
 	return o.mset, o.node
 }
 
-func (o *consumer) replica() int {
+// Return the replica count for this consumer. If the consumer has been
+// stopped, this will return an error.
+func (o *consumer) replica() (int, error) {
 	o.mu.RLock()
 	oCfg := o.cfg
 	mset := o.mset
 	o.mu.RUnlock()
+	if mset == nil {
+		return 0, errBadConsumer
+	}
 	sCfg := mset.config()
-	return oCfg.replicas(&sCfg)
+	return oCfg.replicas(&sCfg), nil
 }
 
 func (o *consumer) raftGroup() *raftGroup {
@@ -3730,7 +3735,11 @@ func (js *jetStream) monitorConsumer(o *consumer, ca *consumerAssignment) {
 
 			// Check for migrations (peer count and replica count differ) here.
 			// We set the state on the stream assignment update below.
-			if isLeader && len(rg.Peers) != o.replica() {
+			replicas, err := o.replica()
+			if err != nil {
+				return
+			}
+			if isLeader && len(rg.Peers) != replicas {
 				startMigrationMonitoring()
 			} else {
 				stopMigrationMonitoring()
@@ -3744,7 +3753,11 @@ func (js *jetStream) monitorConsumer(o *consumer, ca *consumerAssignment) {
 			// keep peer list up to date with config
 			js.checkPeers(rg)
 			// If we are migrating, monitor for the new peers to be caught up.
-			if isLeader && len(rg.Peers) != o.replica() {
+			replicas, err := o.replica()
+			if err != nil {
+				return
+			}
+			if isLeader && len(rg.Peers) != replicas {
 				startMigrationMonitoring()
 			} else {
 				stopMigrationMonitoring()
@@ -3756,7 +3769,10 @@ func (js *jetStream) monitorConsumer(o *consumer, ca *consumerAssignment) {
 				continue
 			}
 			rg := o.raftGroup()
-			replicas := o.replica()
+			replicas, err := o.replica()
+			if err != nil {
+				return
+			}
 			if len(rg.Peers) <= replicas {
 				// Migration no longer happening, so not our job anymore
 				stopMigrationMonitoring()