Emergency Help for Homeowners: Utility Bills and Shutoffs
If you're facing an electricity shutoff, act quickly: you may have only a short window to apply for help. Homeowners in crisis can get emergency aid to pay utility bills. Start by contacting your utility company to discuss possible payment plans or hardship programs.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
The Low Income Home Energy Assistance Program (LIHEAP) is a federal program that helps eligible low-income homeowners pay their utility bills, including electricity costs. This program is administered by states, which set their own eligibility requirements and application deadlines.
To apply for LIHEAP, contact your state's LIHEAP office or a local non-profit organization that administers the program. You can also reach out to your utility company to see if they offer any hardship programs or payment plans that can help you avoid shutoff.
Do not ignore a shutoff notice: contact your utility company immediately to discuss payment options and avoid additional fees.
How LIHEAP Works
LIHEAP provides financial assistance to eligible low-income homeowners to help them pay their utility bills, including electricity, gas, and oil costs. The program is funded by the federal government and administered by states, which set their own eligibility requirements and application deadlines.
Eligibility
To be eligible for LIHEAP, you must meet certain income and resource requirements, which vary by state. You can contact your state's LIHEAP office to determine if you are eligible.
Other Assistance Programs
In addition to LIHEAP, there may be other assistance programs available to help homeowners pay their utility bills. Some states offer their own energy assistance programs, while non-profit organizations may also provide financial assistance.
Payment Plans
Your utility company may also offer payment plans or hardship programs that can help you avoid shutoff. Be sure to contact your utility company to discuss these options.
Applying for Assistance
To apply for LIHEAP or other assistance programs, you will typically need to provide documentation of your income, expenses, and utility bills. You may also need to provide proof of homeownership and identification.
Application Process
The application process for LIHEAP and other programs may vary by state, so be sure to contact your state's LIHEAP office or a local non-profit organization for more information.
Additional Resources
In addition to LIHEAP and other assistance programs, there may be other resources available to help homeowners pay their utility bills. The National Energy Assistance Referral (NEAR) project is a service that can help you find local resources and programs to help with energy costs. You can also contact your state's public utility commission for more information on available programs.
Get Help with Utility Bills Now
Don't wait until it's too late: contact your utility company and state LIHEAP office today to discuss payment options and available assistance programs. You can also reach out to a local non-profit organization for help with the application process.
The income limit for LIHEAP varies by state, so you will need to contact your state's LIHEAP office to determine if you are eligible. Generally, the income limit is set at 150% of the federal poverty level.
Can I apply for LIHEAP online?
Some states allow you to apply for LIHEAP online, while others may require you to apply in person or by phone. Contact your state's LIHEAP office to determine the application process in your state.
What documentation do I need to apply for LIHEAP?
To apply for LIHEAP, you will typically need to provide documentation of your income, expenses, and utility bills. You may also need to provide proof of homeownership and identification. Contact your state's LIHEAP office for a complete list of required documents.
Can I get help with other utility bills besides electricity?
Yes, LIHEAP and other assistance programs may be able to help with other utility bills, such as gas, oil, and water costs. Contact your state's LIHEAP office or a local non-profit organization to determine what types of utility bills are eligible for assistance.