Quick answer
Call the utility before the shutoff date and ask for a payment arrangement, budget billing and any hardship or customer assistance fund. Apply for the Low Income Home Energy Assistance Program (LIHEAP) through your state's office, found at EnergyHelp.us or 1-866-674-6327. Ask whether your state limits shutoffs in extreme weather or when someone in the home has a medical need, and get any doctor's certificate in quickly.
What to ask the utility for
- A payment arrangement: the past-due amount spread over several months on top of your current bill.
- Budget or level billing: the same amount every month, so winter and summer peaks do not hit at once.
- Customer hardship funds: many utilities fund one-time grants, often run with a local charity.
- Medical certification: if someone in the home depends on powered equipment or has a serious condition, many states delay shutoffs with a doctor's note. Ask what form they need.
- A shutoff date extension while your LIHEAP or charity application is pending.
LIHEAP, explained briefly
LIHEAP is federally funded and run by each state, tribe and territory. It can help pay heating and cooling bills, prevent a shutoff or restore service, and fund weatherization and minor energy repairs. It is applied for locally, not through a federal website, and it never charges a fee; HHS warns that offers of a LIHEAP grant for a fee are scams.
Lower the next bill
Small changes add up: thermostat setbacks, sealing drafts and running large appliances off-peak if your plan charges by time of day. The Weatherization Assistance Program, through the Department of Energy and local agencies, can improve insulation and heating systems for income-eligible homes at no cost. ENERGY STAR lists low-cost fixes.
Shutoff date before help arrives?
If a payment arrangement and LIHEAP will not land in time, see what licensed lenders can offer for a small amount you can repay from your next check.
Common questions
Can the electric company shut off my power in winter?
It depends on your state. Many states limit shutoffs during extreme cold or heat, or require extra notice. Your state public utility commission or the utility can tell you the rule.
How long does LIHEAP take?
It varies by state and season. Crisis help for a shutoff is often faster than regular benefits, so say clearly that you have a shutoff notice.
Will a payment arrangement stop the shutoff?
Usually, as long as you make the agreed payments and stay current on new bills. Get the terms in writing.
Where these facts come from
- HHS: Low Income Home Energy Assistance Program (LIHEAP)
- HHS: EnergyHelp.us, where to apply for LIHEAP
- 211.org: local help with rent, food and bills
- ENERGY STAR: save energy at home
- U.S. Department of Energy: Weatherization Assistance Program
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
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