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Apply Now & Get Fast Funding!Michigan Utility Relief Programs provide a comprehensive safety net for households struggling to manage rising energy costs. This infrastructure connects residents with statutory protections, tax-based credits, and direct arrears forgiveness to prevent service interruptions. Navigating these systems requires understanding the specific eligibility triggers for state grants versus utility-sponsored payment plans.
Michigan's energy assistance landscape is divided into two distinct categories: immediate crisis resolution and preventative long-term support. Understanding this distinction is vital because it dictates which application you must file first.
Recent legislative updates via Public Act 170 of 2024 have shifted the eligibility landscape significantly. Starting October 1, 2025, the income threshold for MEAP expanded to 60% of the State Median Income (SMI). This change opens access to working families who previously earned too much to qualify for aid under the older Federal Poverty Level (FPL) guidelines[].
The SER program functions as the emergency room for energy distress. It is administered by the Michigan Department of Health and Human Services (MDHHS) and is typically the prerequisite for other forms of aid.
Eligibility and the "Crisis" Definition
To qualify for SER, a household must demonstrate an immediate energy crisis.
Income and Asset Tests
SER maintains a stricter income limit than the newer MEAP guidelines.
The Fiscal Year Cap
Aid is limited by the state's fiscal year, which runs from October 1 to September 30.
MEAP serves as the rehabilitation phase of energy assistance. Unlike SER, which is a one-time payment, MEAP connects applicants with "grantees"—non-profits and utilities—that provide vendor advocacy, enrollment in affordable payment plans, and financial counseling.
Expanded Eligibility and Access
A major policy shift has decoupled MEAP from the strict SER approval requirement for fiscal year 2026 (starting Oct 1, 2025).
Key MEAP Deliverables
Michigan’s largest investor-owned utilities operate specific Affordable Payment Plans (APPs) funded partly by MEAP grants. These are arguably the most effective tools for eliminating large debt loads.
DTE Energy: Low Income Self-Sufficiency Plan (LSP)
The LSP allows customers to make fixed monthly payments based on income rather than usage.
Consumers Energy: CARE Program
The Consumers Affordable Resource for Energy (CARE) program offers a similar 24-month pathway to debt freedom.
The Home Heating Credit is a federally funded benefit distributed through the Michigan tax system. You do not need to file a standard tax return to claim this credit, but you must file the specific claim form.
Filing Mechanics
Calculation Methods
Beyond financial aid, legal protections exist to stop disconnections during specific seasons or life events.
Winter Protection Plan (WPP)
This protection runs from November 1 through March 31.
Military Protections
Households with a member on active duty during a declared emergency are eligible for shutoff protection.
Medical Emergency Hold
If a disconnection would aggravate an existing medical condition, a "Medical Hold" can be placed on the account.
Reducing consumption is the only way to permanently lower energy bills. WAP provides free energy efficiency upgrades to eligible homes.
Eligibility typically depends on household size, income, and crisis status. generally, households must be at or below 150% of the Federal Poverty Level (FPL) to qualify for programs like State Emergency Relief (SER) and the Michigan Energy Assistance Program (MEAP). For 2025, a single-person household is often capped around $1,883 per month, while a family of four is capped near $3,900 per month.
You can apply for SER online through the MI Bridges portal (newmibridges.michigan.gov). This is the fastest method. Alternatively, you can pick up a paper application at your local Michigan Department of Health and Human Services (MDHHS) office. Approval for SER is often a prerequisite for enrollment in longer-term affordability plans like MEAP.
The Winter Protection Plan protects seniors (65+) and low-income customers from utility shut-offs between November 1 and March 31. While enrolled, you must pay at least 7% of your estimated annual bill monthly (plus a portion of arrears) to maintain service. It does not erase debt but prevents disconnection during freezing months.
Yes, the Home Heating Credit has a different income threshold (usually 110% FPL) and is available to some households who may not qualify for SER. Additionally, you may qualify for utility-specific programs like the DTE Low Income Self-Sufficiency Plan (LSP) or Consumers Energy’s CARE program, which sometimes offer slightly more flexible criteria or asset tests.
The deadline to apply for the Michigan Home Heating Credit is September 30 of each year. You must file the MI-1040CR-7 form with the Michigan Department of Treasury, even if you do not file a standard state income tax return. Missing this deadline usually means forfeiting the credit for that year.
Yes. The State Emergency Relief (SER) program is specifically designed to resolve immediate crises, including past-due notices and shut-off warnings. Once approved for SER, you may be enrolled in MEAP, which can provide retroactive payment assistance and "arrearage forgiveness" to help reduce or eliminate old debt over a 24-month period.
Absolutely. Renters are eligible for SER, MEAP, and the Home Heating Credit as long as they are responsible for paying the heating or electric bill. If heat is included in your rent, you may still qualify for a reduced Home Heating Credit amount, which can be paid directly to you rather than the utility company.
To avoid delays, gather your most recent utility bill (showing a past-due amount or shut-off date), proof of household income for the last 30 days (pay stubs, Social Security statements), and ID for all adult household members. You will also need the Social Security numbers and dates of birth for every member of the household.
The Consumers Energy CARE (Consumers Affordable Resource for Energy) program is a two-year affordable payment plan. Unlike one-time emergency grants, CARE freezes your past-due balance and provides a fixed monthly credit on your bill. As you make on-time monthly payments, portions of your old debt are gradually forgiven.
Generally, State Emergency Relief (SER) has an annual cap for energy assistance (e.g., $850 for heat, $850 for non-heat electricity), which resets at the start of the fiscal year (October 1). However, if you have not reached the cap, you may be able to apply again. MEAP services are typically ongoing for the duration of the heating season once you are enrolled.
Minnesota winters are notoriously severe, making reliable heating a matter of survival rather than comfort. For many residents, the cost of keeping a home warm can be overwhelming. Fortunately, the state has built a robust safety net of utility relief programs designed to keep the heat on.
This guide explores the specific financial assistance options, legal protections, and statutory rights available to Minnesotans. Whether you are a homeowner, renter, or living on a fixed income, understanding these programs is the first step toward energy security.
The cornerstone of utility relief in Minnesota is the Energy Assistance Program (EAP). Administered by the Minnesota Department of Commerce, this federally funded program helps eligible households pay for heating costs, regardless of the fuel type used. It is not a loan; it is a grant that is paid directly to your energy provider.
How the Funding Works
The EAP is funded through the federal Low Income Home Energy Assistance Program (LIHEAP). While the state oversees the funds, local Service Providers—such as Community Action Partnerships (CAP) and tribal governments—handle the actual applications. These local agencies are your primary point of contact.
Who Is Eligible?
Eligibility is primarily based on your household size and income. The program looks at your gross income (before taxes) from the month prior to your application. For the 2025-2026 program year, the income limits are based on 50 percent of the State Median Income.
2025-2026 Monthly Maximum Income Guidelines:
The "Primary Heat" Benefit
The main benefit provided by EAP is the "Primary Heat" grant. The average benefit is approximately $550, but grants can range up to $1,400. The exact amount depends on your household's specific energy burden, income level, and fuel costs from the previous year. This money is applied directly to your account with your electric, gas, or delivered fuel company.
Crisis Assistance for Emergencies
In addition to the standard grant, EAP offers Crisis Assistance. This fund provides up to $600 in extra help for households facing immediate emergencies.
You may qualify for Crisis funds if:
Many Minnesotans believe they cannot be disconnected in the winter. This is a partial misconception. The Cold Weather Rule (CWR) protects you from disconnection between October 1 and April 30, but only if you take specific actions. You must establish and keep a payment plan to remain protected.
Your Rights and Responsibilities
The law, codified in Minnesota Statute 216B, requires utility companies to work with you. However, you cannot simply stop paying your bill. You must contact your utility to set up a plan. If you ignore the notices, your service can still be disconnected, even in freezing temperatures.
The "10 Percent Rule"
For low-income households, the law provides a mathematical safety net. If your household income is at or below 50 percent of the state median income, the utility cannot ask you to pay more than 10 percent of your monthly income toward your utility bill. This cap ensures that your payments remain affordable relative to your actual budget.
Protections for Different Utility Types
If you heat with natural gas, you may be eligible for a Gas Affordability Program (GAP). These state-mandated programs are designed to help you pay off debt while keeping current bills manageable. To qualify, you generally must first be approved for EAP.
Key Features of GAP
Provider-Specific Details
While heating is the primary concern, electricity is vital for running furnace fans and medical equipment. Several programs address these specific needs.
Xcel Energy Power On and Medical Affordability
Xcel Energy offers the Power On program for general electric affordability. For those with medical needs, the Medical Electric Affordability Program (MEAP) is available.
Minnesota Power CARE Program
Residents in northern Minnesota served by Minnesota Power can access the CARE program.
Medical Emergency Statutes
Under Minnesota law, a utility must reconnect or continue service if a medical emergency exists.
Minnesota’s eleven federally recognized Tribal Nations operate their own energy assistance programs. These programs assert tribal sovereignty and are tailored to the specific needs of their members.
Distinct Features of Tribal Programs
The Weatherization Assistance Program (WAP) offers a permanent solution to high energy bills. Unlike EAP, which pays bills, WAP fixes your home to reduce energy consumption.
What Does WAP Do?
Priority Groups
Due to high demand, WAP maintains a waiting list. Priority is strictly given to:
When government grants are used up and statutory protections end, charitable programs serve as a final safety net.
Salvation Army Heat Share
Heat Share is a voluntary fuel fund administered by the Salvation Army. It is funded by donations from the public and utility customers.
Reach Out for Warmth (ROFW)
Administered by local CAP agencies, Reach Out for Warmth helps households that might be slightly over the income limit for EAP but are still in financial distress. It acts as a bridge for the "working poor" who struggle with energy costs but do not qualify for federal aid.
Roughly 30 percent of Minnesotans rent their homes. State law provides specific protections regarding utilities for tenants.
The 68-Degree Rule
Landlords are legally required to maintain a minimum temperature of 68 degrees Fahrenheit in rental units from October 1 to April 30. This applies to units where the tenant does not control the thermostat. A landlord cannot lower the heat to unsafe levels to save money.
Shared Meters
If you live in a building where multiple units share a single utility meter:
Minnesota’s utility relief landscape is complex but comprehensive. The key to navigating it is early action. Do not wait for a disconnection notice to seek help.
Action Steps:
By leveraging these resources, you can ensure that your home remains safe and warm throughout the Minnesota winter.
Eligibility is based on your household's gross income from the previous month. For the 2025-2026 program year (October 1, 2025 – May 31, 2026), a household of four can earn up to $71,999 annually (or roughly $5,999 per month) and still qualify. These caps are based on 50% of the state median income, so even middle-income families may be eligible for Minnesota utility relief programs.
Yes. You do not need to own a home to qualify. Renters whose heat is included in their rent can still receive payments, which are often sent directly to the landlord or management company to lower your monthly costs. If you pay your electric or gas bill directly to a provider like Xcel Energy or CenterPoint, the Energy Assistance Program grant is credited to your account.
No. This is a common misconception. The Cold Weather Rule protects you from disconnection between October 1 and April 30 only if you set up and keep a payment plan with your utility company. You must contact your provider immediately to request CWR protection; if you ignore your bills or break the payment agreement, your service can still be disconnected during winter.
While applications are open until May 31, 2026, funding availability can fluctuate due to federal budget delays or government shutdowns (as seen in late 2025). However, you should apply immediately regardless of news reports. Applications are processed on a "first-come, first-served" basis. Once your application is in the system, you are in line to receive funds as soon as they are released.
You may qualify for additional Crisis Benefits (up to $600) on top of your primary grant. If you are facing a medical emergency, have a disconnect notice, or your fuel tank is below 20%, indicate this strictly on your application or call your local Community Action Agency immediately. Crisis funds are prioritized to restore service or prevent immediate loss of heat.
Yes. The Energy Related Repair (ERR) program helps eligible homeowners repair or replace broken heating systems. This benefit is separate from your bill payment grant. If your furnace is unsafe or not running, call your local EAP provider immediately—do not wait for the general application process, as emergency heating repairs are treated with urgency to ensure safety.
Typically, the Energy Assistance Program focuses strictly on heating and electricity. However, for water bill assistance, you should check for the availability of the Low Income Household Water Assistance Program (LIHWAP) or local equivalents. While EAP won't cover water, applying for it is often the first step to qualifying for other "whole home" assistance benefits.
Under normal conditions, initial processing takes 30–60 days. However, during peak times (early winter) or federal funding delays, this timeline can extend. You will receive a notification letter by mail once your application is processed. To avoid delays, ensure you include proof of income for all household members when you first submit your application.
Yes. If you exceed the EAP income limits, you can apply for Reach Out for Warmth (ROFW), a state-fuel fund, or HeatShare, a voluntary program administered by the Salvation Army. Additionally, check with your specific utility provider (e.g., Minnesota Power, Great River Energy) for their own "affordability programs" or "rate discounts" which often have slightly different criteria than federal grants.
Households with mixed citizenship status can often still apply. At least one household member must be a U.S. citizen or an eligible non-citizen (such as a permanent resident) to apply. The benefit amount is generally prorated based on the number of eligible household members. Non-eligible members are not reported to immigration authorities for public charge purposes through this specific application.
New Hampshire residents struggling with elevated energy costs, often intensified by the state’s extreme weather, can find critical assistance through a suite of New Hampshire Utility Relief Programs. These state and federally funded programs are designed not just to provide immediate financial aid but also to ensure long-term stability and safety within the home. The support structure is comprehensive, offering bill discounts, emergency heating grants, and free structural home energy upgrades. Accessing these programs requires understanding a unified application system managed by local Community Action Agencies(CAAs).
The state streamlines access to its three primary energy initiatives: the Fuel Assistance Program(FAP), the Electric Assistance Program(EAP), and the Weatherization Assistance Program(WAP). All three share a consistent income benchmark, simplifying the application process for households seeking maximum benefit.
The Single Application Point: Community Action Agencies
Local Community Action Agencies(CAAs) are the designated, single point of entry for all major state-administered utility relief programs. These local offices are contracted by the state to handle all application interviews and eligibility determinations for FAP, EAP, and WAP. Relying on the CAA system ensures that applicants receive professional, centralized guidance without needing to contact multiple state departments.
Unified Eligibility Standard for State Programs
A key element of New Hampshire’s strategy is the use of one income standard across its three core energy assistance programs. To qualify for FAP, EAP, or WAP, a household’s gross income must fall up to 60% of the New Hampshire State Median Income(SMI) at the time of application. This unified threshold allows a single application to qualify a household for heating grants, electric bill discounts, and weatherization services, maximizing the support received.
FAP, which functions as New Hampshire’s version of the federal Low Income Home Energy Assistance Program(LIHEAP), provides crucial grants to manage the financial burden of winter heating. This program targets households facing high energy costs relative to their income.
Structure of FAP Grants
FAP benefits are provided as a non-repayable grant, meaning recipients never have to pay the money back. The program covers various heating sources, including natural gas, electric, oil, kerosene, propane, and wood. Funds are typically paid directly to the chosen heating vendor, or to a landlord if heat is included in the monthly rent. Importantly, FAP grants are not counted as income when a household applies for other state or federal benefits.
Financial Benefit Range and Calculation
FAP benefits are not static; they are precisely calculated to prioritize households with the greatest need. The amount of the grant can range from a minimum of $100 up to a maximum of $2,177. The calculation considers multiple factors to target the assistance effectively:
Currently, the average FAP benefit awarded to qualified New Hampshire households is approximately $1,045. This careful targeting ensures the highest grants go to those with the lowest incomes and highest energy expenses.
FAP Priority Application Timeline
Securing FAP benefits requires timely action, as funding is limited and seasonal. While the official assistance period runs from December 1 through April 30, the application process opens significantly earlier. New Hampshire uses a phased system to prioritize the most vulnerable applicants:
Emergency Heating Intervention
Beyond standard financial grants, FAP provides a vital lifeline during immediate heating emergencies. Once program grant funds are released after December 1, emergency applications are prioritized. Emergency services include securing an urgent fuel delivery for homes with dangerously low reserves or intervening to delay a pending utility shut-off. This crisis intervention is typically reserved for households with less than one week of fuel or for renters facing eviction due to heat included in their rent.
The Electric Assistance Program provides crucial, sustained relief on monthly electric bills for eligible residents. This program offers continuous, year-round assistance, helping households manage their non-heating electric costs.
Substantial Monthly Discounts
EAP delivers substantial discounts on monthly electric utility charges, with potential savings reaching up to 86%. The precise discount is calculated based on two core factors: the household’s gross income level and the number of people living in the household. Because EAP is a continuous, 12-month program, it offers a consistent baseline financial advantage.
Key Secondary Benefits
Enrollment in EAP offers significant protections beyond just the bill discount. These secondary financial benefits stabilize a customer’s standing with their utility:
EAP is available to customers of regulated utilities that participate in the program, including Eversource, Unitil, Liberty, and the New Hampshire Electric Co-op(NHEC). The application is processed through the local Community Action Agency.
The Weatherization Assistance Program(WAP) offers a proactive, long-term solution to high energy costs by improving home energy efficiency. Instead of just covering the bill, WAP invests in the household's structure to permanently lower consumption.
Free and Comprehensive Home Upgrades
WAP is provided at no cost to qualified participants, covering 100% of the services rendered . The program aims to provide up to $5,000 in energy efficiency upgrades for households especially vulnerable to rising utility costs. These physical home improvements result in permanent, ongoing utility expense reductions.
The Scope of Weatherization Services
All work performed under WAP is based on the results of a comprehensive home energy audit. This audit includes diagnostic testing and is performed by an energy auditor certified by the Department of Energy(DOE) or the Building Performance Institute. The audit determines which specific, cost-effective measures are necessary.
Typical weatherization services covered by the program include:
WAP is available to both homeowners, including those in mobile homes, and renters, provided a renter secures landlord permission.
The Dual Application Requirement
To apply for WAP, an applicant does not need a separate form. They must simply complete either the Fuel Assistance Application or the Electric Assistance Application. Crucially, the applicant must answer YES to the embedded question that asks, “Are you interested in receiving weatherization services”. This single step connects applicants to both immediate financial aid and long-term home improvement services, maximizing the value of their initial CAA contact.
For New Hampshire residents facing emergency situations who may not qualify for federal or state programs because their income is slightly too high, utility-specific charitable funds provide an essential safety net . These funds are supported by private donations and target acute energy crises.
Neighbor Helping Neighbor(NHN) Fund
The NHN Fund is a key source of emergency energy aid in New Hampshire.
Project Care (NHEC Customers Only)
Project Care is a dedicated charitable organization assisting members of the New Hampshire Electric Co-op(NHEC). It serves as a last line of defense for its members.
New Hampshire residents are protected by strict regulations from the Public Utilities Commission(PUC) regarding when and how a utility can disconnect service. Understanding these rights can provide critical time to seek assistance.
Mandatory Notice Requirements
State regulations impose strict requirements for utility shutoffs. The utility must first attempt to notify an adult residing at the premises.
Timing and Scheduling Constraints
Residential service disconnection is severely restricted by time and day to ensure customers have time to seek recourse.
Financial and Welfare Protections
PUC rules specify several financial and welfare-based conditions under which a utility is legally prohibited from shutting off service.
Extreme Weather Protection Moratorium
New Hampshire regulations ensure protection during periods of extreme temperature . Utilities must adhere to one of two policies:
Customers should confirm which policy their specific utility enforces to understand their legal protections during periods of extreme cold or heat.
If attempts to resolve a billing dispute or payment issue directly with the utility are unsuccessful, the matter should be escalated to the New Hampshire Department of Energy(DOE) Consumer Services Division. This division is the primary body responsible for resolving consumer complaints and enforcing state regulatory compliance.
Contacting the DOE Consumer Services Division
The DOE provides several accessible channels for residents to file a formal complaint or seek assistance:
Alternative Resources for Assistance
In addition to the DOE, residents can access broader, interconnected support networks for financial and human services:
New Hampshire’s utility relief system is built on a foundation of centralized access and consistent eligibility standards. By initiating contact with their local Community Action Agency(CAA), residents can efficiently access the Fuel Assistance Program(FAP) for heating grants, the Electric Assistance Program(EAP) for sustained bill discounts, and the Weatherization Assistance Program(WAP) for free home efficiency upgrades. Understanding the strict PUC disconnection rules and leveraging charitable funds like Neighbor Helping Neighbor ensures that residents have both preventative financial aid and a legal safety net during crises, promoting stable and safe housing conditions throughout the year.
The two main state-administered programs are the Electric Assistance Program (EAP) and the Fuel Assistance Program (FAP). The EAP provides a discount of 5% to 86% on your monthly electric bill, while the FAP (part of the federal LIHEAP) offers a grant ranging from $100 to over $2,000 to help pay for heating fuel, including oil, propane, electric, wood, and pellets.
To qualify for Fuel Assistance or the Electric Assistance Program, your gross household income must not exceed 60% of the New Hampshire State Median Income. For the 2025-2026 program year, the estimated limit for a family of four is approximately $91,548 annually. These limits are updated yearly, so verify current figures with your local Community Action Agency (CAA).
It depends on your county. While the New Hampshire Department of Energy manages the programs, applications are processed by five regional Community Action Agencies (CAAs). Some agencies, like the Community Action Partnership of Strafford County, offer online application portals. Others may require you to print an application or schedule an in-person or phone appointment. Contact your local CAA to confirm their specific options.
New Hampshire law provides protection against disconnection for eligible customers between November 15 and March 31. However, you must still pay your current bills or follow a payment plan. You generally cannot be disconnected if you have a financial hardship and the arrears are under $450, or if a physician certifies a medical emergency. You must contact your utility provider to enact these protections; they are not automatic.
Neighbor Helping Neighbor is a charitable fund for residents who are not eligible for federally funded programs like LIHEAP but are facing a temporary financial crisis. If you are over the income limit for government aid but have a disconnection notice or a broken payment arrangement, you may qualify for a grant of up to $300 (or $200 for non-electric heat) every two years to prevent service interruption.
Yes. The Gas Assistance Program is available for income-eligible customers of Liberty Utilities and Unitil. If you qualify for Fuel Assistance, you may also be eligible for a 45% discount on your natural gas distribution charges from November 1 through April 30. You generally do not need a separate application if you are already enrolled in the Fuel Assistance Program.
Yes. You can still apply for the Fuel Assistance Program even if heat is included in your rent. If approved, the benefit is paid to your landlord or management company, and your rent may be reduced accordingly for that period. You must provide a Landlord/Tenant Verification form signed by your landlord to prove your rental arrangement.
Processing times vary by agency but generally take up to 30 to 60 days after you submit a complete application. It is critical to apply early. Priority applications (for households with elderly, disabled members, or young children) often open in July, while standard applications open in September for the heating season beginning December 1.
You typically need to provide proof of gross income for all household members for the 30 days prior to your application (pay stubs, pension letters, SSA benefits), copies of your most recent electric and heating bills, social security cards for all household members, and proof of residency. Self-employed individuals will need their most recent tax return and schedules.
The Fuel Assistance Program typically runs until April 30. However, the Electric Assistance Program (EAP) accepts applications year-round. If you are facing an immediate crisis outside of the standard application window or after funds have been exhausted, contact your town's local welfare office or call 2-1-1 to find other local charities or "gap" funding sources like the Salvation Army.
Accessing utility relief in Mississippi is essential for maintaining financial stability and safety. The state’s humid climate creates extreme heat in the summer, leading to high cooling costs. These costs disproportionately affect low-income households, creating a significant financial burden.
To help residents, Mississippi operates a multi-layered relief system. This network combines federal funding with state regulations and private charitable programs. The primary goal is to ensure that vulnerable residents do not lose access to essential energy services.
The system is decentralized, meaning funding comes from the government, but local agencies handle the applications. This guide breaks down how these programs work, who is eligible, and how you can apply effectively.
The Low-Income Home Energy Assistance Program (LIHEAP) is the foundation of energy aid in Mississippi. It is administered by the Mississippi Department of Human Services (MDHS) and executed by local Community Action Agencies. The program is designed to manage energy costs, not just for emergencies, but for ongoing stability.
2.1 Funding and Availability
LIHEAP is funded by the federal government, so availability can fluctuate based on the budget. Mississippi prioritizes the most vulnerable households to ensure they receive aid first.
Priority groups include:
2.2 Types of LIHEAP Support
LIHEAP offers two distinct types of assistance. Knowing the difference will help you apply for the right one.
2.2.1 Regular Assistance (Subsidy)
This is a preventative program. You do not need to be at risk of disconnection to qualify.
2.2.2 Energy Crisis Intervention Program (ECIP)
This program is for life-threatening emergencies involving the loss of energy.
2.3 Income Eligibility for 2025
Eligibility is based on your household's gross income. Mississippi uses a "greater of" formula to maximize eligibility. The threshold is 60% of the State Median Income (SMI).
FY 2025 Income Limits (60% SMI):
Note for Larger Families: If your household has more than six people, the state adds 3% to the base calculation for each additional member. This ensures large families are not unfairly penalized.
What Counts as Income? MDHS looks at "Gross Income," which is your pay before taxes. This includes:
Categorical Eligibility: You may be fast-tracked if you already receive:
While LIHEAP pays bills, the Weatherization Assistance Program (WAP) fixes your home. This program invests money into your house to permanently lower your energy usage.
3.1 What WAP Covers
WAP is a technical program that starts with an energy audit. It is not for general renovations.
Common services include:
The maximum investment per home for FY 2025 is $12,000. This allows for significant upgrades that can lower your monthly bills for years.
3.2 WAP Income Limits (Higher Threshold)
WAP uses a different income limit than LIHEAP. You can qualify with income up to 200% of the Federal Poverty Guidelines.
FY 2025 WAP Income Limits:
Strategic Tip: If you make too much for LIHEAP (e.g., $60,000 for a family of 4), you might still qualify for WAP. Always check both programs.
You cannot apply for these programs directly through the utility company. You must go through a Community Action Agency (CAA). Mississippi uses a centralized online system to manage this process.
4.1 The Virtual ROMA Portal
The state has modernized intake with the Virtual ROMA system. This allows you to apply from home.
Application Steps:
virtualroma.mdhs.ms.gov and create an account.4.2 Key Local Agencies
It is critical to contact the agency that serves your specific county. Here are the contacts for major regions:
The Mississippi Public Service Commission (MPSC) enforces rules to protect you from unfair disconnection. These rules function as a "Ratepayer’s Bill of Rights."
5.1 Medical Necessity (Rule 8.125)
This is a vital protection for households with sick or elderly members.
5.2 Weather-Based Protections
Utilities are restricted from disconnecting service during extreme weather events.
When federal funds run out, private utility programs can help fill the gap. These are charitable funds often supported by customers and shareholders.
6.1 Entergy Mississippi: The Power to Care
6.2 Mississippi Power: Project SHARE
6.3 Atmos Energy: Sharing the Warmth
Getting approved often comes down to organization. Follow this strategy to maximize your chances.
7.1 The "Golden Packet" Checklist
Denials often happen because of missing paperwork. Have these items ready before you apply:
7.2 The "Stacking" Method
Do not rely on just one program. Layer them for the best results:
The landscape of aid is changing. Federal funding for water bills (LIHWAP) has largely ended as of 2024. If you have water debt, you must now rely on local charities or payment plans.
Looking ahead, Mississippi is shifting focus toward grid resilience. New federal grants are targeting infrastructure updates to prevent outages. For residents, this means that while bill assistance remains available, the long-term goal is a more reliable and efficient energy grid for everyone.
To qualify for LIHEAP in Mississippi for FY 2025, your household income must typically be at or below 60% of the State Median Income (SMI). For a family of four, this is approximately $49,398 annually. Eligibility is also automatic for households receiving SNAP, TANF, or SSI. You must be a U.S. citizen or qualified alien and responsible for paying your home energy costs.
You can apply for Mississippi Utility Relief Programs, specifically LIHEAP and the Energy Crisis Intervention Program (ECIP), through the Mississippi Department of Human Services (MDHS) common web portal at access.ms.gov. Alternatively, you can download a paper application and submit it to your local Community Action Agency (CAA) or Human Resource Agency (HRA) if you prefer offline assistance.
For the 2025 fiscal year, regular LIHEAP benefits for heating and cooling typically range from $1 to $1,500 per household, depending on income and family size. If you are in a life-threatening emergency or facing disconnection, the Energy Crisis (ECIP) component may provide up to $1,500 in additional assistance to restore services or prevent shutoff.
Yes, but with strict restrictions. Under the Mississippi "Bill of Rights" for ratepayers, utilities cannot disconnect service for non-payment if the National Weather Service issues a Freeze Warning (below 32°F) or an Excessive Heat Warning (typically heat index above 105°F) for your county on the scheduled disconnection day. This protection applies specifically to residential accounts.
Entergy Mississippi does not offer total "bill forgiveness," but they do provide relief through The Power to Care program, which helps seniors (60+) and disabled customers pay emergency bills. This is funded by donations and administered by local nonprofits like the Salvation Army. They also offer Deferred Payment Arrangements that allow you to pay a past-due balance in installments over up to 12 months.
The federal Low-Income Household Water Assistance Program (LIHWAP), which previously helped with water bills, ended its primary funding cycle in 2024. Currently, assistance is limited to local charitable funds or discretionary Community Services Block Grants (CSBG) via your local Community Action Agency. It is best to contact your water provider directly to ask about hardship payment plans.
Project SHARE is a charitable program for Mississippi Power customers, administered by the United Way and Catholic Charities. It provides emergency financial assistance specifically to the elderly and disabled who are having trouble paying their electric bills. Unlike government grants, this is funded by customer donations and is available only until funds are exhausted each year.
Yes. If a licensed physician certifies that disconnecting your service would create a life-threatening situation, you can delay disconnection for up to 60 days. You must provide your utility company with a written medical certificate. This postponement can only be used twice in a 12-month period and does not erase the debt you owe.
For the 2025 program year, the priority application period often begins in October for households with seniors (60+) or disabled members. The general application period for all other low-income households typically opens in November or December. However, the Crisis component (ECIP) operates year-round or until funds run out, so immediate applications are encouraged if you have a disconnect notice.
Yes. Mississippi Power offers a specific low-income rate assistance benefit where the monthly base charge (approx. $0.59/day) is waived for eligible elderly customers receiving SSI or TANF. Additionally, most utility relief programs, including LIHEAP and Entergy’s Power to Care, prioritize applications from seniors to ensure they receive funding before the general public.
Missouri Utility Relief Programs provide essential financial lifelines for residents struggling with rising energy costs and seasonal temperature extremes. These initiatives range from federal grants to state-mandated protections and corporate charitable funds designed to keep your home safe and comfortable. By understanding the specific eligibility rules and application windows for each provider, you can access the support necessary to maintain your electric, gas, and water services throughout the year.
The primary source of aid for most households is the Low Income Home Energy Assistance Program (LIHEAP). This federally funded initiative helps pay heating and cooling bills for residents meeting specific income guidelines. You do not need to be behind on your bills to qualify for the standard annual benefit.
Energy Assistance (EA)
This component provides a one-time payment to help with your primary heating costs during the winter. The benefit amount depends on your household size, income, and fuel type.
Energy Crisis Intervention Program (ECIP)
ECIP offers emergency funds specifically for households facing an immediate energy crisis. This includes situations where you have received a disconnection notice or your service has already been shut off.
The Missouri Public Service Commission (PSC) enforces regulations that prevent utility companies from disconnecting service during dangerous weather conditions. These rules apply to investor-owned utilities like Ameren, Spire, Evergy, and Liberty.
The Cold Weather Rule
Effective from November 1 through March 31, this rule places strict limitations on service disconnection.
The Hot Weather Rule
During the summer months (June 1 – September 30), utilities are restricted from disconnecting service if extreme heat is forecast.
Ameren Missouri offers several programs targeting different levels of financial need. Note that program terms may shift, so checking current status is vital.
Spire has expanded its aid programs to assist working families who may not qualify for federal poverty grants.
Residents in western and southwestern Missouri have distinct options through their local providers.
While federal water assistance (LIHWAP) has ended, local programs continue to fill the gap for water and sewer costs.
Most utility assistance programs in Missouri are administered through Community Action Agencies (CAAs). There are 19 CAAs across the state, and you must apply through the one serving your specific county.
Commonly Required Documents:
To find your local agency and start an application, you can visit the(https://mydss.mo.gov/utility-assistance) or contact(https://www.211.org) for local referrals.
To qualify for most Missouri Utility Relief Programs, including LIHEAP, your household income must typically be at or below 60% of the State Median Income (SMI). For a family of four, this is approximately $4,558 per month. Additionally, households must have $3,000 or less in available assets (bank accounts, investments) to be eligible for state-administered aid.
While the federal Low Income Household Water Assistance Program (LIHWAP) has largely expired, you still have options. Missouri American Water offers the "H2O Help to Others" program, providing grants up to $500 per year for eligible customers. Contact your local Community Action Agency (CAA) immediately, as some may still have remaining local funds or alternative water assistance grants.
Regular LIHEAP (Energy Assistance) provides a one-time payment to help with heating costs during the winter (Nov–May). In contrast, the Winter ECIP is emergency relief specifically for households facing an immediate shut-off or lack of fuel. ECIP offers significantly higher aid—up to $800—to restore service or prevent disconnection during a verified energy crisis.
Beyond federal aid, major providers have their own Missouri Utility Relief Programs. Ameren Missouri offers "Keeping Current" (bill credits) and "Dollar More" (up to $600/year). Spire provides "DollarHelp" and "Red Tag" assistance for furnace repairs. You generally must apply for LIHEAP first to qualify for these supplemental utility-sponsored hardship funds.
Common reasons for denial include exceeding the $3,000 asset limit, failing to provide social security numbers for all household members, or submitting a bill not in the applicant's name. Ensure all adults in the home provide income proof (or a zero-income statement). Incomplete documentation is the #1 cause of processing delays and denials.
Yes, but it requires extra steps. If your utilities are included in your rent, you must provide a copy of your lease indicating the heating responsibility and have your landlord complete a Landlord/Renter Documentation Form. However, you may not be eligible for ECIP (crisis funds) if you do not directly pay the utility company.
Standard processing for Energy Assistance (EA) applications takes approximately 30 business days. However, if you are applying for ECIP due to a life-threatening emergency or active disconnection, the agency must typically respond within 18 to 48 hours to address the crisis. Always submit your disconnection notice immediately with your application.
Yes, the Summer ECIP typically runs from June through September. While funding is more limited than winter programs, eligible households facing disconnection can receive crisis benefits, generally up to $300, though amounts can increase to $600 depending on annual funding availability. This is strictly for crisis situations, not general bill payment.
You can still qualify for Missouri Utility Relief Programs. Households claiming zero income must complete a Zero Income Affidavit or interview guide explaining how basic needs (food, shelter) are being met. You may need to provide a statement from a person or organization assisting you financially to verify your situation for the caseworker.
No. Funds granted through Missouri Utility Relief Programs do not roll over. The program year typically resets in October or November. You must reapply every season (Fall/Winter) to receive new benefits. Any credit remaining on your utility account from a previous grant usually applies to future bills until exhausted, but the grant authority itself expires.
Montana residents facing high energy costs have access to a multi-layered support system designed to prevent service disruptions during harsh winters. This network connects federal grants, state mandates, and private non-profit initiatives to lower the "energy burden" on households. Navigating these options requires understanding the distinct roles of the Low Income Home Energy Assistance Program (LIHEAP), the Universal System Benefits (USB) charges, and local Human Resource Development Councils (HRDCs).
The primary source of financial help comes from two distinct funding streams. These programs operate together but have different rules regarding who qualifies and how funds are distributed.
Federal Low Income Home Energy Assistance Program (LIHEAP)
LIHEAP is a federal block grant managed by the Montana Department of Public Health and Human Services (DPHHS). It is not a loan; it is a direct payment to your energy provider to offset heating costs.
Universal System Benefits (USB)
State law requires all electricity and natural gas customers to pay a small surcharge on their bills. These funds are collected by utilities and redistributed to help low-income customers.
Qualifying for assistance depends on your household size and gross income. Montana uses 60% of the State Median Income (SMI) for LIHEAP, which is significantly higher than the standard federal poverty level used in many other states.
Current Income Limits (2025-2026 Season):
Asset Limits: Unlike some states, Montana checks your resources. You may be disqualified if your liquid assets (cash, savings, stocks) exceed specific thresholds:
Automatic Qualification: You may automatically meet income requirements if you already participate in SNAP, SSI, or TANF. However, you must still submit a full application to verify your housing and fuel type.
The application process is decentralized. You do not apply to a central state office; you apply to the Human Resource Development Council (HRDC) that covers your county.
If you face an immediate emergency, LIHEAP offers a Crisis component separate from the standard seasonal benefit. This fund addresses life-threatening situations.
Qualifying Emergencies:
Benefit Cap: The maximum crisis benefit can reach up to $9,999 for major mechanical replacements or significant debt clearance. This assistance is available year-round as long as funds remain.
This program focuses on long-term cost reduction rather than immediate bill payment. It provides free energy efficiency upgrades to eligible homes.
Services Provided:
Eligibility Note: The income limit for Weatherization is strictly 200% of the Federal Poverty Level, which is slightly lower than the LIHEAP limit for smaller households.
Energy Share acts as a safety net for those who do not qualify for federal aid or who have exhausted their benefits. It is a private non-profit funded by donations and USB allocations.
Your specific utility provider likely offers additional aid mandated by state law. These benefits often stack on top of LIHEAP.
Investor-Owned Utilities
Electric Cooperatives
Montana's Tribal nations administer their own LIHEAP grants. If you live on a reservation, you should verify whether to apply through the Tribe or the local HRDC.
Tribal Contacts:
Recent federal changes have altered the landscape for water and internet assistance.
Water Bills: The federal Low Income Home Water Assistance Program (LIHWAP) has expired. Households cannot currently receive specific LIHWAP benefits. However, local HRDCs may still have limited emergency funds through the Community Services Block Grant (CSBG) to assist with water arrearages.
Phone and Internet: The Affordable Connectivity Program (ACP) has ended, but the Lifeline program remains active.
Montana law provides specific protections against winter shut-offs, but they are not automatic.
The Winter Moratorium: Regulated utilities cannot disconnect residential service from November 1 to April 1 without Public Service Commission approval.
Requirements:
Relevant URLs:
Eligibility primarily depends on income and household size. For the 2024-2025 season, households with a gross income at or below 60% of the State Median Income (approx. $61,735 for a family of four) often qualify. You must also reside in Montana and be responsible for paying heating costs, whether you rent or own your home.
You must submit an application through your local Human Resource Development Council (HRDC). Applications are accepted from October 1 through April 30. You can download the form from the Montana DPHHS website or contact your local HRDC office to have one mailed. In many cases, this single application also covers the Weatherization Assistance Program.
Regulated utilities generally cannot disconnect service between November 1 and April 1 if you meet specific criteria. To qualify for this winter moratorium, you typically must belong to a protected class (such as the elderly, disabled, or those receiving public assistance) and sometimes requires establishing a payment plan. Always contact your utility provider immediately if you face disconnection.
Energy Share of Montana is a private non-profit that offers emergency, one-time assistance, unlike the federally funded LIHEAP. It is designed for families facing "energy emergencies" (like furnace breakdowns or imminent shut-offs) who may be over the income limit for LIHEAP. You can apply year-round through your local HRDC or a specific Energy Share committee.
North Western Energy offers a bill discount for customers who have already qualified for LIHEAP. If approved for LIHEAP, the discount is often applied automatically to your electric or natural gas bill. They also partner with the state to provide free weatherization audits and improvements to help permanently lower your energy usage and monthly costs.
Yes. MDU customers who are approved for LIHEAP can receive a substantial discount on their utility bill. Additionally, MDU contributes to Energy Share of Montana to help customers with emergency needs. Contact MDU directly or your local community action agency to ensure your LIHEAP status is verified on your utility account.
This program provides free energy efficiency upgrades to permanently reduce heating costs for eligible renters and homeowners. Services may include wall and attic insulation, air sealing, and heating system tune-ups or repairs. Priority is often given to the elderly, people with disabilities, and families with children. Eligibility is generally capped at 200% of the Federal Poverty Level.
The standard application period for Montana Utility Relief Programs like LIHEAP runs from October 1 to April 30 of each year. However, if you are facing a crisis, such as a disconnect notice or an empty fuel tank, you should contact your local HRDC immediately, as emergency funds or Energy Share assistance may be available year-round.
Yes. If your heating costs are included in your rent, you may still qualify for LIHEAP. The benefit payment is usually sent to you directly rather than a utility company, or your rent may be adjusted. You will need to provide a copy of your lease or a letter from your landlord verifying your heating arrangement.
Both LIHEAP and Energy Share of Montana can allocate funds for emergency furnace repair or replacement if you are in a "no-heat" situation. During the heating season, contact your local HRDC immediately. Some utility companies, like MDU and NorthWestern Energy, also have specific funds or referrals for appliance safety and repair for low-income households.
Finding reliable help for energy bills in Nebraska requires navigating a specific network of state mandates and local aid. Nebraska Utility Relief Programs operate differently than in many other states because it is the only state in the U.S. served entirely by public power utilities. This report breaks down the financial safety nets available to residents, ranging from federal grants to local philanthropic funds.
The system relies on three main pillars of support:
By understanding these layers, households can better secure the assistance they need to maintain essential services.
Two major federal programs form the foundation of energy assistance in Nebraska. One focuses on paying immediate bills, while the other helps improve a home's energy efficiency to lower future costs.
1.1 The Low Income Home Energy Assistance Program (LIHEAP)
Managed by the Nebraska Department of Health and Human Services (DHHS), LIHEAP provides direct financial grants to help pay utility bills. It is not a loan and does not need to be repaid. The program operates on a fixed budget, meaning funds are limited and distributed based on need.
Income Eligibility Guidelines
To qualify, a household's gross income must be at or below 150% of the Federal Poverty Level (FPL). Gross income includes all earnings before taxes and deductions.
Current Income Limits (2025-2026):
How Benefits Are Calculated
Nebraska uses a tiered system to determine payment amounts. Households with the lowest income relative to the poverty line receive the highest payments.
Key Program Components
LIHEAP is divided into specific operational periods to target different needs:
1.2 The Weatherization Assistance Program (WAP)
The Weatherization Assistance Program focuses on long-term solutions. Instead of paying bills, it funds home improvements that permanently reduce energy usage.
Eligibility and Priority
WAP has a higher income limit than LIHEAP. Households earning up to 200% of the Federal Poverty Level are eligible. This allows working families who might slightly exceed LIHEAP limits to still qualify for home upgrades.
Priority Groups for Service:
Common Weatherization Upgrades
The program begins with an energy audit to find where a home is losing heat. Typical free improvements include:
Nebraska's public power districts and gas companies operate their own charitable funds. These are often funded by donations from customers and employees.
2.1 Omaha Public Power District (OPPD)
OPPD serves the Omaha metro area and offers several layers of support.
2.2 Nebraska Public Power District (NPPD)
NPPD serves many rural counties and operates the "Pennies for Power" program.
2.3 Metropolitan Utilities District (M.U.D.)
M.U.D. provides natural gas and water to the Omaha area. Their primary aid vehicle is the Home Fund.
2.4 Lincoln Electric System (LES)
LES serves the Lincoln area and combines aid with sustainability goals.
2.5 Black Hills Energy
This investor-owned gas utility operates the Black Hills Cares program.
State laws provide a final safety net to prevent life-threatening service interruptions.
3.1 The Cold Weather Rule
This rule prevents immediate disconnection during the coldest months of the year. It applies to investor-owned natural gas utilities regulated by the Public Service Commission.
3.2 Medical and Disability Protections
Nebraska law allows for a postponement of disconnection if it poses a health risk.
3.3 Tenant Rights regarding Utilities
If a landlord is responsible for utilities but fails to pay them, tenants have specific legal remedies under Nebraska Statute 76-1427.
Community Action Agencies (CAAs) are the local hubs for processing applications. You must apply to the specific agency that covers your county.
Key Agencies and Service Areas:
These agencies use an integrated model. When you apply for utility aid, they will also screen you for food assistance, housing grants, and weatherization services.
Applying for aid requires gathering a specific set of documents. Missing even one document can delay your application.
5.1 The Required "Proof Packet"
Prepare the following items before applying:
5.2 How to Apply
For immediate relief, start with LIHEAP through the DHHS or your local Community Action Agency. If you are facing a shut-off, ask about Crisis Assistance or utility-specific funds like Pennies for Power or the Home Fund.
Always communicate with your utility provider immediately if you cannot pay. Utilizing the Cold Weather Rule or filing a Medical Certificate can buy you the critical time needed to secure funding and keep your services running.
To qualify for the Low Income Home Energy Assistance Program (LIHEAP) in Nebraska for the 2025-2026 season, your household income must be at or below 150% of the Federal Poverty Level (FPL).
1-person household: $23,475
2-person household: $31,725
3-person household: $39,975
4-person household: $48,225
Add approximately $8,250 for each additional family member. Note: Income limits are effective from October 1, 2025, through September 30, 2026.
If you have received a disconnect notice, you should apply for Crisis Assistance immediately through AccessNebraska. This program is available year-round for households with an immediate energy crisis.
Apply Online: Visit the AccessNebraska website.
Apply by Phone: Call 1-800-383-4278.
Additional Step: Immediately contact your utility provider (e.g., OPPD, NPPD, Black Hills Energy) to inform them you have applied for assistance; this may temporarily delay disconnection.
Yes, Nebraska LIHEAP includes a distinct Cooling Assistance component.
Application Window: June 1 through August 31.
Benefits: It provides a one-time payment directly to your utility provider to offset high summer electric bills.
Equipment Help: Eligible households may also qualify for the repair or replacement of central air conditioning units or the purchase of a window AC unit if the current one is non-functional or nonexistent.
Yes, renters are fully eligible for LIHEAP and most local utility relief funds as long as they are directly responsible for paying the heating or cooling costs.
Requirement: The utility bill must usually be in the applicant's name.
Hidden Costs: If your utilities are included in your rent, you may still qualify if you can prove that your rent amount is not subsidized and that you pay a surcharge for energy usage.
The Weatherization Assistance Program (WAP) is a free service for qualifying low-income households (income limit often 200% FPL) to make homes more energy-efficient.
Services: Includes adding wall/attic insulation, weather-stripping doors/windows, and inspecting furnaces for efficiency and safety.
Provider: Services are delivered by local Community Action Partnerships (e.g., Blue Valley, Central Nebraska CAP) rather than DHHS directly.
Goal: The primary goal is permanent bill reduction, saving households an average of $300+ annually.
In Nebraska, if you already receive SNAP (food stamps), SSI (Supplemental Security Income), or ADC (Aid to Dependent Children), you are typically "categorically eligible" for LIHEAP.
Action Required: While eligibility is automatic based on income, you often still need to file a simplified application or verify your utility account information with DHHS to trigger the payment to your energy provider.
OPPD offers two primary avenues for aid:
Energy Assistance Program (EAP): A donation-funded program administered by the Dollar Energy Fund to help customers paying off past-due balances.
Customer Assistance Program (CAP): A pilot program (capped at ~3,000 participants) that provides a monthly bill credit to significantly lower ongoing energy costs for eligible low-income households. You typically apply for these through the Dollar Energy Fund portal or local community agencies.
Yes, both natural gas providers have dedicated charitable funds:
Black Hills Energy: Operates Black Hills Cares, partnering with the Salvation Army (HeatShare) to provide funds for heating bills and emergency equipment repair.
M.U.D. (Metropolitan Utilities District): Offers the Home Fund, which assists seniors, disabled individuals, and low-income families in crisis. Applications are often handled via the Dollar Energy Fund or local CAP agencies.
To speed up your application and avoid denial, have the following ready:
Proof of Income: Pay stubs for the last 30 days for all household members over 19.
Utility Bills: Your most recent heating and electric bills (showing account numbers).
ID: Social Security numbers and birth dates for everyone in the household.
Residency: Proof of US citizenship or legal alien status (not required for all household members, but required for the applicant).
Yes, the Heating Assistance application period runs strictly from October 1 to March 31.
Important: You must apply before March 31 to receive benefits for that winter season.
Crisis Exception: If you face a crisis (shut-off or empty fuel tank), you can apply for Crisis Assistance outside of this window, but standard bill credits are only processed during the active season.
New Jersey offers a robust network of utility relief programs designed to help residents manage rising energy costs. These initiatives provide essential financial support for low-to-moderate-income households, seniors, and those facing temporary crises.
By understanding the specific eligibility requirements for each program, you can access grants, monthly bill credits, and debt forgiveness tools. This guide breaks down the state and federal resources available to ensure your home remains safe and comfortable.
The Low Income Home Energy Assistance Program (LIHEAP) serves as the primary defense against energy insecurity. Federally funded and state-administered, it provides grants to help households cover heating costs and medically necessary cooling expenses. Since funding is limited, grants are distributed on a first-come, first-served basis.
Key Program Features:
Medical Cooling Assistance While primarily for heating, LIHEAP offers specific support for summer cooling. To qualify for this benefit (typically $300-$500), you must provide a doctor’s certification. This document must verify that a household member has a medical condition that requires air conditioning to prevent serious health risks.
Income Eligibility (FY 2025-2026) Eligibility is based on 60% of the State Median Income. Current monthly gross income limits are:
The Universal Service Fund (USF) is designed to make energy bills affordable on a monthly basis. Unlike LIHEAP grants, USF provides a monthly credit directly to your natural gas and electric bills. The program aims to ensure you do not spend more than 6% of your annual income on total energy costs.
How USF Works:
The Fresh Start Program is a powerful tool for eliminating old utility debt. Attached to the USF, it specifically targets households with significant arrears. If you enter the USF program with an overdue balance of $60 or more, you are automatically enrolled in Fresh Start.
The Path to Forgiveness:
Critical Policy Update (October 2024) New regulations now limit participation in the Fresh Start Program to once every five years. It is vital to maintain your payment schedule once enrolled, as you cannot use this forgiveness mechanism again until the five-year waiting period expires.
Many working families earn too much to qualify for federal aid but still struggle with high bills. New Jersey addresses this "cliff effect" through gap programs designed for moderate-income households.
Payment Assistance for Gas and Electric (PAGE) The PAGE program assists residents who exceed the income limits for LIHEAP or USF. To qualify, you generally need a past-due balance of at least $100 or a disconnect notice.
NJ SHARES NJ SHARES serves as a safety net for households facing a temporary financial crisis, such as job loss or a medical emergency.
The Lifeline Program provides a targeted annual benefit to help seniors and disabled adults manage utility costs. This program is often linked to the Pharmaceutical Assistance to the Aged and Disabled (PAAD) program.
Program Details:
New Jersey law prohibits utility shutoffs for eligible residents during the winter months. The Winter Termination Program (WTP) runs annually from November 15 through March 15. During this period, utilities cannot disconnect water, sewer, or electric service for protected households.
Who is Protected?
While payment assistance helps pay current bills, energy efficiency programs help lower them permanently. These initiatives provide free installation of energy-saving improvements to reduce consumption.
Comfort Partners (CP) Funded by the state, Comfort Partners targets high-usage households earning up to 250% of the Federal Poverty Guidelines.
Weatherization Assistance Program (WAP) WAP is the federal counterpart to Comfort Partners. In addition to efficiency, it places a strong emphasis on health and safety.
The Residential Energy Assistance Payment (REAP) represents a modern shift toward automated aid. The state uses data matching to identify households already enrolled in programs like PAAD or SSI.
Program Highlights:
The Department of Community Affairs has centralized the application process. The DCAid portal allows you to submit a single application that screens you for LIHEAP, USF, and Weatherization simultaneously.
Required Documentation: To ensure a smooth application process, gather these documents:
Helpful Links:
To qualify for the Universal Service Fund (USF), your household must meet two main criteria:
Income: Your gross monthly income must be at or below 60% of the State Median Income (e.g., approx. $8,014/month for a family of four in 2025).
Energy Burden: You must spend more than 2% of your annual income on electricity or natural gas (or more than 4% if you have electric heat).
Eligible households receive monthly credits directly on their utility bills to lower costs.
You can apply for LIHEAP through the DCAid online portal (nj.gov/dca/dcaid). This single application also screens you for the Universal Service Fund (USF).
If you prefer a paper application or need assistance, contact your county’s designated Community Action Agency or call the NJ Utility Assistance Hotline at 800-510-3102. The application period typically runs from October 1 to June 30.
Yes. The PAGE (Payment Assistance for Gas and Electric) program is designed for low-to-moderate income households who exceed LIHEAP/USF limits.
Income Limit: Significantly higher than LIHEAP (e.g., approx. $160,000 annual income for a family of four).
Requirements: You must have an overdue balance of at least $100, liquid assets under $15,000, and proof of residency.
Administrator: This program is administered by NJ SHARES.
USF-Fresh Start is a debt forgiveness program for customers with overdue balances of $60 or more who enroll in the Universal Service Fund (USF).
If you pay your current monthly utility charges in full every month for 12 months, 1/12th of your pre-enrollment overdue balance is forgiven each month. After one year of on-time payments, your entire prior debt is wiped clean.
Under the Winter Termination Program (WTP), eligible residents are protected from utility shutoffs between November 15 and March 15. You qualify for protection if you receive benefits from programs like LIHEAP, USF, SSI, or Lifeline.
You may also qualify if you are facing a "financial hardship" (such as unemployment) and unable to pay. You must contact your utility company to request this protection; it is not always automatic.
To speed up your application on the DCAid portal, have digital copies of the following ready:
Proof of Identification: Social Security cards for all household members and a government-issued ID for the applicant.
Proof of Income: Pay stubs (last 4 consecutive weeks), unemployment determination, or SSI award letters.
Utility Bills: Current gas and electric bills.
Proof of Residence: A deed, tax bill, or current lease agreement.
The standalone application for ARP Utility Debt Relief grants has ended. However, the state has transitioned funds into the Residential Energy Assistance Payment (REAP) initiative.
For the 2025 season, eligible households (those already enrolled in USF or LIHEAP) typically receive automatic bill credits (often totaling around $175) without needing to file a separate REAP application.
The Lifeline Utility Assistance Program offers a $225 annual benefit specifically for:
Senior citizens (age 65+).
Disabled adults (age 18+) receiving Social Security Disability benefits.
This benefit appears as a credit on your utility bill or is included in your SSI check. The income limits for Lifeline (approx. $53,446 for singles, $60,690 for couples) are separate from LIHEAP.
Processing times vary but typically take 4 to 6 weeks after a complete application is submitted. During peak winter months, volume increases, potentially extending wait times.
You can check the status of your application by logging back into your account on the DCAid portal or contacting the agency where you submitted your paperwork.
If you are ineligible for state-run programs like USF or LIHEAP, apply for NJ SHARES. This non-profit provides one-time energy assistance grants to households facing a temporary financial crisis (like job loss or medical emergency).
You must demonstrate a good-faith history of payments prior to your crisis. Applications are available via the NJ SHARES website.
Managing high utility bills in Nevada can be a major source of stress, especially during the extreme heat of summer or the cold of winter. Fortunately, a comprehensive network of state, federal, and private programs exists to help you keep the lights on and the water running. This guide breaks down the available options, eligibility rules, and application steps to get you the financial relief you need.
The Energy Assistance Program (EAP) is the main resource for Nevadans struggling with heating and cooling costs. Managed by the Division of Welfare and Supportive Services (DWSS), this program combines federal and state funds to provide a single, annual benefit to eligible households.
How It Works
The program calculates a "Fixed Annual Credit" based on your income and energy usage. This credit is not a cash payment to you; instead, it is sent directly to your utility provider (like NV Energy or Southwest Gas) to reduce your monthly bills.
Who Is Eligible?
To qualify for EAP, you must meet specific residency and financial criteria at the time of application:
Income Guidelines (FY 2025)
Your household's gross monthly income must not exceed 150% of the Federal Poverty Guidelines. For the 2025 fiscal year, the annual income limits are:
Data sourced from DWSS FY 2025 Manual.
Crisis Assistance
If you are in danger of losing service, EAP offers a "Fast Track" component. You may qualify for expedited processing (typically within 48 hours) if:
Recognizing that water is just as essential as electricity, Nevada has integrated water assistance into its safety net. The Water and Sewer Assistance Program (WSAP) helps low-income families maintain their water service.
While EAP helps pay your current bills, the Weatherization Assistance Program helps lower your future bills permanently. This program provides free home upgrades to reduce energy waste.
How It Helps
Contractors will audit your home to find energy leaks. Based on the findings, they may install:
Higher Income Limits
Weatherization often has a higher income cap than bill assistance. Households with an income up to 200% of the Federal Poverty Guidelines may qualify. Both renters and homeowners are eligible to apply.
NV Energy offers specific charitable programs to help customers who might have fallen through the cracks of state aid. These programs vary depending on where you live.
Northern Nevada: SAFE
The Special Assistance Fund for Energy (SAFE) is for customers in Northern Nevada.
Southern Nevada: Project REACH
Project REACH (Relief through Energy Assistance to Prevent Customer Hardships) serves vulnerable residents in Southern Nevada.
If you use natural gas, the Energy Share program can provide emergency relief.
Residents in rural Nevada often rely on co-ops, which have their own community-focused aid programs.
If you rely on electrically operated medical equipment, you have specific rights to ensure your safety.
You can apply for EAP through the Nevada Division of Welfare and Supportive Services (DWSS). Applications are accepted via the Access Nevada online portal, by mail, or in person at DWSS offices. The program provides an annual benefit (paid directly to your utility) ranging from $360 to $3,136 depending on your household income and energy usage.
As of late 2025, the broad COVID-era CARES Housing Assistance Program (CHAP) has largely transitioned to more targeted aid. Clark County Social Service now directs residents to Financial Assistance (FAS) or Senior FAS programs. Most general online portals for CHAP rental/utility assistance are closed; you must apply for current county-specific aid through the gathered FAS system or social services.
For the 2025 fiscal year, the Energy Assistance Program (EAP) typically caps eligibility at 150% of the Federal Poverty Level. For a single-person household, this is approximately $22,590 annually, and for a family of four, it is roughly $46,800. However, programs like Southwest Gas’s Energy Share do not strictly follow these federal poverty guidelines.
Yes. Project REACH (Relief through Energy Assistance to Prevent Customer Hardships) is specifically designed for adults aged 62 and older. Administered by the United Way of Southern Nevada, it provides one-time emergency assistance (up to $300) to eligible seniors experiencing financial hardship. You can apply through partner agencies like Hope Link or the Las Vegas Indian Center.
The Special Assistance Fund for Emergencies (SAFE) aids Northern Nevada families who cannot pay their utility bills due to unexpected financial crises. Administered by the United Way of Northern Nevada and the Sierra, it offers one-time assistance once every 12 months. Applicants must demonstrate a loss of income or emergency and apply via local partners like the Community Services Agency.
Yes, the Energy Share program assists Southwest Gas customers facing unexpected financial difficulties. Unlike state-run programs, it is funded by donations and administered by The Salvation Army. Eligibility is based on a "financial hardship" determination rather than strict federal poverty brackets, making it a viable option if you are slightly above EAP income limits.
es. The City of Henderson offers a utility assistance program for residents enrolled in the state EAP, waiving the monthly basic water service charge. The Las Vegas Valley Water District does not offer a direct low-income rate but partners with local agencies to provide emergency assistance and offers "leak adjustment" credits if high bills are due to repaired leaks.
ESAP is a 2025 active program that allows eligible low-income customers to receive solar energy at a guaranteed lower rate without installing panels. If you earn at or below 80% of the Area Median Income (AMI), you can apply to lock in a lower energy rate, helping to permanently reduce your monthly electricity costs rather than just providing one-time debt relief.
If you face imminent shut-off (receive a 48-hour notice), you should apply for "Crisis Intervention" assistance through the DWSS EAP program immediately. This "Fast Track" component can expedite processing to prevent disconnection. Additionally, contacting the Salvation Army for Energy Share funds often provides a quicker emergency response than standard state applications.
Residents in rural counties (like Elko, Nye, or Lyon) often access funds through different local administrators. For example, the Rural Nevada Development Corporation (RNDC) and Friends In Services Helping (FISH) frequently manage SAFE funds and weatherization grants for rural areas. You should contact your specific county’s Human Services department for the correct local partner agency.
Keeping the lights on in Cochran County can be a financial challenge. Residents in Morton, Whiteface, and the surrounding rural areas often face higher energy burdens than those in big cities. Reliable electricity is not just a convenience; it is a necessity for health and safety on the South Plains.
If you are struggling to pay your electric bill, you are not alone. There is a specific network of aid designed to help you. This guide breaks down exactly how to access federal grants, cooperative support, and local charity in Cochran County.
The first step to getting help is knowing who sends you the bill. Unlike Dallas or Houston, you cannot shop around for a cheaper rate here. You likely have one option based on where you live, and you must work with them directly.
Bailey County Electric Cooperative (BCEC)
If you are a member of this cooperative, you are part owner of the company.
Xcel Energy (Southwestern Public Service)
If you are in an area served by Xcel, you are dealing with a regulated utility.
The biggest source of help is the Comprehensive Energy Assistance Program (CEAP). This is federal money managed locally by the South Plains Community Action Association (SPCAA). You do not apply at the electric company; you must go through the SPCAA.
Where to Apply in Cochran County
You generally cannot apply online for the full benefit; you need to visit the local center.
Two Ways CEAP Helps You
The program is split into two parts to cover different needs.
Who Qualifies for Help?
You must meet income guidelines to get approved. As of the latest rules, your household income must be at or below 150% of the Federal Poverty Guidelines.
Note: Priority is always given to households with elderly residents (60+), individuals with disabilities, and children under age five.
Documents You Need to Bring
Gather these items before your appointment to speed up the process.
Your electric provider wants you to stay connected. Both BCEC and Xcel offer programs to manage debt, but you must ask for them.
Payment Arrangements
Never wait for the lights to go out. Call your provider the moment you know you will be late.
Medical & Critical Care Protections
Texas law protects people with serious medical conditions.
If your house is drafty, you are throwing money away. The Weatherization Assistance Program (WAP) fixes older homes for free.
When government funds are slow or you don't qualify, local groups in Morton and Whiteface step up.
St. Ann’s Catholic Church
Located in Morton, this church runs the "Be the Church Outreach" ministry.
First Baptist Church of Morton
South Plains Food Bank Mobile Pantry
Saving money on food means you have more money for electricity.
Veteran Services
If you are a veteran, specific funds may be available to you.
Follow this exact path if you receive a disconnect notice.
South Plains Community Action Association (SPCAA)
Bailey County Electric Cooperative (BCEC)
Xcel Energy (SPS)
St. Ann’s Catholic Church
Cochran County Senior Citizens Association
The primary administrator for energy assistance in Cochran County is the South Plains Community Action Association (SPCAA). They manage the Comprehensive Energy Assistance Program (CEAP), which is funded by the federal LIHEAP grant.
Local Office: 907-B SW 4th St, Morton, TX 79346
Phone: (806) 224-1129
To be eligible for the Cochran County Texas electric bill assistance program, your household income must not exceed 150% of the Federal Poverty Guidelines.
1 Person: ~$23,475
2 People: ~$31,725
3 People: ~$39,975
4 People: ~$48,225
Add ~$8,250 for each additional household member. (Note: These figures are effective as of early 2025; always verify exact cents with the caseworker.)
Important Update: As of early 2025, the statewide Texas Utility Help online portal is often closed or at capacity due to high demand. You should not wait for the website to reopen. Instead, apply directly through the SPCAA Morton Service Center listed above. Local agencies often have separate funding pools from the state website.
To avoid delays in your energy assistance application, gather the following before your appointment:
Photo ID for the primary applicant (Driver’s License or State ID).
Social Security Cards for every household member.
Proof of Citizenship (Birth Certificate, Passport, or Voter Registration).
Proof of Income for the last 30 days for all adults (pay stubs, award letters, etc.).
Current Utility Bill (must be the most recent bill).
The SPCAA offers a "Crisis Component" specifically for households that have already been disconnected or have received a disconnection notice. This service is expedited compared to standard assistance. When you call (806) 224-1129, explicitly state that you have a disconnect notice to potentially receive priority processing.
Yes, if government funds are unavailable, consider these local alternatives:
South Plains Food Bank Mobile Pantry: While primarily for food, they visit the First Baptist Church in Morton (202 SE 1st St) on the 3rd Thursday of the month. Saving on food can free up cash for utilities.
Local Benevolence Funds: Churches like First Baptist Church Morton or St. Ann’s Catholic Church may have small emergency funds. Visit their offices in person during business hours to inquire politely about benevolence applications.
Standard applications typically take 2 to 6 weeks to process depending on the volume of requests. Crisis applications (for disconnects) are processed faster, often within 48 hours of a complete application. Do not assume the bill is paid until you receive an official Notice of Eligibility letter.
Yes. The CEAP program covers multiple heating and cooling sources. If your primary heating source is propane or natural gas, you can apply for assistance for those bills using the same application process as you would for electricity.
Typically, the Comprehensive Energy Assistance Program allows households to receive help once per program year (January to December). However, if you face a life-threatening energy crisis (like a winter storm outage) or if additional "disaster funds" are released, you may be eligible to apply again. Always ask the caseworker about current "benefit caps."
If you are denied by SPCAA, ask for the specific reason (e.g., over income, missing document). If you cannot resolve it:
Call 2-1-1 Texas (dial 2-1-1 from your phone) to find other private non-profits in the South Plains region.
Contact your electric provider (e.g., Xcel Energy, Bailey County Electric Coop) to set up a deferred payment plan. This prevents disconnection while you seek other funds.