Imagine getting a surprise check in the mail from the government – that's the magic of an IRS tax refund! Discover how these refunds work, why you might qualify for one, and how to maximize your chances of getting the biggest refund possible.
State Treasuries are currently holding over $58 Billion in unclaimed assets.
This includes uncashed checks, forgotten savings accounts, utility deposits, and tax refunds. 1 in 7 Americans has money waiting to be claimed. Is your name on the list?
Residents of Coleman County facing high electric bills have specific options for relief, but the right path depends entirely on who provides your power. Unlike deregulated parts of Texas, you cannot switch providers here to find a cheaper rate. You likely receive service from either the Coleman County Electric Cooperative (CCEC) or the City of Coleman Utilities.
This guide breaks down the specific aid programs, legal protections, and community resources available to help you keep the lights on.
Your first step is to look at your bill. The rules for payment extensions and financial aid differ strictly based on whether you are a cooperative member or a city resident.
Coleman County Electric Cooperative (CCEC)
If you are a member of the co-op, you are part of a member-owned organization. This structure often allows for more community-focused assistance policies.
City of Coleman Utilities
If you live within the city limits, your electricity is bundled with water, sewer, and garbage services.
The City of Coleman has a codified "deferred payment agreement" specifically for residents in a cash-flow crunch. This is known locally as the "50/50 Rule."
To qualify for this extension, you must meet these strict criteria:
This is a short-term fix designed to bridge the gap between paychecks. It is not a long-term solution for chronic financial hardship.
For substantial financial help, the Comprehensive Energy Assistance Program (CEAP) is the primary resource. This federally funded program assists low-income households with utility payments. In Coleman County, this program is administered by the Cornerstone Community Action Agency.
Who Is Eligible?
Eligibility is based on household income and size. Generally, your household income must be at or below 150% of the Federal Poverty Guidelines.
How CEAP Helps
Important Warning: CEAP funds are finite. The "Utility Assistance" component is frequently placed on "HOLD" when funds run out. You should apply as early in the year as possible (typically January) rather than waiting for a summer crisis.
While CEAP pays the bill, the Weatherization Assistance Program helps lower it permanently. This program is also managed by Cornerstone Community Action Agency.
If eligible, you could receive free home improvements such as:
If someone in your home relies on electric medical equipment, you must register with your provider. This does not guarantee your power will never be cut, but it provides essential communication safeguards.
Classification Types
Benefits of Registration
When federal funds are depleted and extensions are maxed out, local non-profits serve as the safety net of last resort.
Christian Family Ministries (Loaves and Fishes)
Located at 519 W. Pecan St. in Coleman, this organization is a vital hub for community support.
Coleman Ministerial Alliance
This is a network of local churches that pools resources to help neighbors in need.
The Salvation Army
Serving Coleman County through their Service Extension program, often based in Brownwood.
Bureaucracy can be slow. To get approved quickly by agencies like Cornerstone, have a folder ready with the following documents. Missing a single paper can delay your application by weeks.
Checklist for Applicants:
By understanding these rules and preparing your documentation early, you can navigate the assistance system effectively and keep your home powered.
The primary provider is the Cornerstone Community Action Agency (formerly Central Texas Opportunities). They administer the Comprehensive Energy Assistance Program (CEAP) for Coleman County residents. This federally funded program helps low-income households pay for electricity, gas, and propane. You can contact their Coleman office directly at (325) 625-4167 or visit them at 114 Needham Street.
Not exactly. While CCEC offers an "Operation Round Up" program, these funds are strictly prohibited from being used to pay electric bills; they are reserved for other community grants. However, CCEC does offer deferred payment plans for members facing financial hardship. You must contact the cooperative immediately at (325) 625-2128 before your disconnection date to negotiate a payment arrangement.
To qualify, your household income must be at or below 150% of the Federal Poverty Guidelines. As of the latest update, the approximate gross annual income limits are:
1 Person: ~$22,590
2 People: ~$30,660
3 People: ~$38,730
4 People: ~$46,800
Add approx. $8,070 for each additional member. Note: Income is calculated based on the gross earnings of all household members over the past 30 days.
Yes, but you must act fast. If you have a disconnect notice, apply for the Crisis Component of the CEAP program through Cornerstone Community Action. This specific component is designed for energy crises (disconnection or near-disconnection). Additionally, contact 2-1-1 Texas (dial 2-1-1) immediately to ask for referrals to local church benevolent funds, such as the Coleman Ministerial Alliance or Matthew 25 Ministries, which may offer smaller, stop-gap emergency pledges.
To ensure your application is not rejected or delayed, gather these specific documents before your appointment:
Proof of Income: Pay stubs, award letters (Social Security, SSDI), or pension statements for the last 30 days for every adult in the home.
Billing History: A 12-month billing history from your utility provider (e.g., Coleman County Electric Co-op or your specific REP).
Identification: Valid Driver’s License or ID and Social Security cards for all household members.
Current Bill: Your most recent electric bill showing your account number and address.
6. Are there special programs for seniors or disabled veterans in Coleman County?
Yes. The CEAP program uses a "priority rating" system. Households with elderly residents (60+), individuals with disabilities, and children under 5 are processed first and may be eligible for higher benefit amounts. Additionally, the Texas Utility Help program acts as a secondary state-wide option if local funds are exhausted. Veterans can also inquire about specific aid through the TexVet system or local VFW posts in the Big Country area.
Yes. If paying your electric bill has left you unable to afford other essentials like food, medical equipment, or clothing, you can apply for an Operation Round Up grant through Coleman County Electric Cooperative. By having these other needs covered by the grant, you may be able to free up enough of your own income to pay your utility bill.
Yes, under specific conditions. The Weatherization Assistance Program (WAP), often administered alongside CEAP by Cornerstone Community Action, can help repair or replace inefficient heating and cooling units (HVAC) for eligible homeowners. This is separate from bill payment assistance and is focused on lowering your future energy consumption to make bills more affordable permanently.
How long does it take to get approved for assistance in Coleman County?
Yes, several local entities maintain small benevolent funds for one-time emergencies.
Matthew 25 Ministries: Located at 115 Gray St, they often provide emergency assistance for basic needs.
Sacred Heart Catholic Church: Operates the "Loaves and Fishes" ministry; while primarily food-focused, they may offer referrals or small financial aid.
First Baptist Church Coleman: Often facilitates aid through the Ministerial Alliance. Always call ahead to verify funds availability, as these are donation-based and deplete quickly.
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