How long person can be covered by COBRA if he/she is disabled?

Question: How long person can be covered by COBRA if he/she is disabled?

Answer by  Elizaveta Bannova, CPC, CPCO, CPMA, CFPC, Billing Supervisor at WCH Service Bureau 

It depends on state guidelines. These are requirements for NY and NJ

If a disability has led to Medicare eligibility, see the section on Medicare-eligibles below. Covered persons who are disabled, under the definition established by the Social Security law, up to 60 days after the COBRA qualifying event of termination of employment or reduction of hours, are entitled to continue coverage for up to a total of twenty-nine (29) months from the date of the initial qualifying event. The cost of coverage during the last eleven (11) months of this extended period is one hundred and fifty percent (150%) of the City cost for the benefit. Persons so disabled must inform the health plan within sixty (60) days of the disability determination and within thirty (30) days of disability ceasing.

Source:https://www1.nyc.gov/assets/olr/downloads/pdf/health/cobra-package-march-2021.pdf  

If you receive a Social Security Disability determination for an illness or injury you had when you enrolled in COBRA or incurred within 60 days of enrollment, you and your covered dependents are entitled to an extra 11 months of COBRA coverage (up to a maximum of 29 months). You must provide proof within 60 days of the disability determination from the Social Security Administration or within 60 days of COBRA enrollment.

Source: https://www.state.nj.us/treasury/pensions/documents/factsheets/fact30.pdf