Mark Luigi DacumosIf you’re struggling to pay your electric bill, don’t wait until your power gets shut off. Some programs can help you lower your balance, delay disconnection, or get emergency payment assistance. Here are the best places to start.
- Call Your Electric Company First
Contact your electric company as soon as you know you can’t pay the full amount. Ask about:
- Payment plans
- Hardship programs
- Budget billing
- Shutoff protection
- Bill credits or discounts
Most utility companies would rather set up a payment arrangement than disconnect your service. Calling early also gives you more options.
- Apply for LIHEAP
LIHEAP, or the Low Income Home Energy Assistance Program, helps eligible households pay heating and cooling bills. This is one of the main government programs for energy assistance. It can help with regular bills, and some states also offer crisis assistance if you have a shutoff notice or your power has already been disconnected. Eligibility depends on your income, household size, state rules, and available funding.
- Check State and Local Assistance Programs
Your state or city may offer extra electric bill assistance outside of LIHEAP. A good place to start is your local community action agency. These agencies often know which programs still have funding and can help you apply. You can also check with:
- Your state health and human services office
- Local nonprofits
- Churches
- The Salvation Army
- Vincent de Paul
- Local emergency assistance programs
Some programs are only for seniors, veterans, people with disabilities, or families with children.
- Call 211 for Emergency Help
If you’re close to disconnection, call 211. United Way’s 211 service can connect you with local programs that may help with electric bills, rent, food, and other urgent needs. They can also tell you which organizations currently have funds available.
This is helpful because many local assistance programs run out of money quickly.
- Ask About a Payment Plan
A payment plan lets you spread your past-due balance over several months. For example, instead of paying the full overdue amount at once, your electric company may let you pay a smaller amount each month along with your current bill. This can help you keep service active while catching up.
- Try Budget Billing
Budget billing can make your monthly electric bill more predictable. Instead of paying high bills during peak summer or winter months, your utility company averages your yearly usage and charges a more stable monthly amount. This may not erase your debt, but it can make your bill easier to manage going forward.
- Look Into Long-Term Ways to Lower Your Bill
Once the immediate problem is handled, look for ways to reduce future bills. You may be able to lower your energy costs by:
- Using energy-efficient appliances
- Sealing air leaks
- Adjusting your thermostat
- Asking your utility company for a free energy audit
- Checking community solar programs, if available in your area
Solar panels may help some homeowners lower long-term energy costs, but they are not the right option for everyone. Renters, low-income households, or people who cannot afford installation may want to check community solar or utility discount programs first.
What to Do Now
Start by calling your electric company and asking about payment options. Then apply for LIHEAP and contact your local community action agency. If you already have a shutoff notice, call 211 right away and ask for emergency utility assistance in your area.
