Hidden Benefits You Might Qualify For: Programs People Miss
Lesser-known help with phone, internet, energy, Medicare, school meal and tax costs, who qualifies, and how to apply through official channels.
KPCB Staff · Mar 24, 2025
By KPCB StaffCombined Expertise In The Low Income Housing Space For 10 Years · How we write our guides

The Low Income Home Energy Assistance Program (LIHEAP) is the main federal program that helps low-income households pay heating and cooling bills. You apply through your state, territory, or tribe, not the federal government. If you don't know where your local office is, call the National Energy Assistance Referral line at 1-866-674-6327 and ask where to apply for LIHEAP in your area.
Applying is free. LIHEAP does not charge a fee for receiving a benefit, and only your state or local LIHEAP office can decide whether you qualify.
The U.S. Department of Health and Human Services' Administration for Children and Families (ACF) runs LIHEAP at the federal level. According to ACF's LIHEAP page, the program helps with home energy bills, energy crises, weatherization, and minor energy-related home repairs.
Depending on where you live, that can include:
Each state chooses which of these services it offers and when. Many states focus on winter heating, and some also run summer cooling programs. Your state's LIHEAP office can tell you what is open right now.
LIHEAP pays for home energy. It does not pay phone, internet, or cable bills.
Federal law sets the outer limits, and each state sets its own rules inside them. Under the LIHEAP statute, a state can make a household eligible if its income is no more than the greater of:
States can't set their income limit below 110% of the poverty guidelines. They can set it anywhere between that floor and the federal maximum, and they can add other rules, such as an asset limit or a requirement that you pay for home energy yourself.
For the federal fiscal year that started October 1, 2026 (FY2027), states that use the poverty guidelines must use the 2026 figures. ACF published them in LIHEAP Information Memorandum IM2026-01. Here is the federal maximum at 150% of poverty for the 48 contiguous states and Washington, D.C.:
| Household size | 150% of poverty (yearly income) |
|---|---|
| 1 | $23,940 |
| 2 | $32,460 |
| 3 | $40,980 |
| 4 | $49,500 |
| 5 | $58,020 |
| 6 | $66,540 |
| 7 | $75,060 |
| 8 | $83,580 |
Alaska and Hawaii have higher figures. For a household of four, 150% of poverty is $61,875 in Alaska and $56,925 in Hawaii.
These are ceilings, not your state's actual limit. Some states use a lower cutoff. Others use 60% of state median income, which can be higher than the numbers above. ACF's state median income table for FY2027 shows the maximum for each state, but your state's LIHEAP office has the limit it actually uses.
States may treat your household as income-eligible if someone in it already gets SNAP, Supplemental Security Income (SSI), Temporary Assistance for Needy Families (TANF), or certain means-tested veterans benefits. Not every state uses this option, and those that do may still ask you to fill out an application. If you get one of these benefits, mention it when you apply.
For more on those programs, see our guides to how SNAP works, SSDI and SSI, and TANF eligibility.
LIHEAP defines a household as people living together as one economic unit who buy energy in common or pay for energy as part of their rent. That means renters whose heat is included in the rent can still be a LIHEAP household. Ask your state how it handles this.
Federal law does not define income. Generally it means gross income (before taxes), though some states subtract certain medical or child care costs. Your state's application explains what it counts.
Processing times for regular bill help vary by state and by how busy the office is. Ask your local office how long it usually takes.
Tell the office right away that you have a shutoff notice, have already been disconnected, or are almost out of heating fuel. Crisis help moves on a faster federal timeline.
Under federal law, if you are eligible for crisis benefits, the program must provide some form of help that resolves the crisis within 48 hours of your application. If the situation is life-threatening, the limit is 18 hours. Bring your shutoff notice or past-due bill with you.
There is no single national rule that stops a utility from disconnecting you. Each state has its own policy, and it may depend on the weather, your age, whether someone in the home has a disability, and which utility you have.
The LIHEAP Clearinghouse keeps a state-by-state list of disconnect policies. As of its latest update, 42 states have cold-weather protections and 21 have hot-weather protections.
Two things to know about these rules:
If you have a dispute with your utility, the Clearinghouse advises trying to resolve it with the utility first, then contacting your state's utility commission. For legal help with a shutoff, look for free legal aid in your state at lawhelp.org.
The Weatherization Assistance Program (WAP), run by the U.S. Department of Energy, pays for home improvements that cut energy use. It is separate from LIHEAP, though some states coordinate the two and some use LIHEAP money for weatherization too.
Under the federal WAP rule (10 CFR 440.22), a home can qualify if the household:
Renters can get weatherization, but the building owner must give written permission, and the rule includes protections against rent increases tied to the work.
To apply, find your state's WAP office on the Department of Energy's site.
LIHEAP depends on yearly funding from Congress, and states pass the money to local offices. On October 9, 2026, ACF released about $3.6 billion in LIHEAP block grant funding for FY2027. The money came under a continuing resolution (the Continuing Appropriations and Extensions Act, 2027), and ACF said it released 90% of the funding available under that law.
When your state opens its heating program, and how much it pays, is up to the state. ACF says LIHEAP benefits are aimed at households with the highest energy costs compared to their income, and at households with older adults, people with disabilities, or young children. Apply as soon as your state opens.
LIHEAP does not give grants directly to individuals, and it does not charge a fee. If someone calls, texts, or emails offering you a LIHEAP grant or asking you to pay a fee, it is not from the program. ACF says to report it to the HHS Fraud Hotline at 1-800-447-8477.
Apply only through your state or local LIHEAP office. You never need to pay a company to apply for you.
No. ACF says LIHEAP does not charge a fee for receiving a benefit. If anyone asks you to pay to get LIHEAP, report it to the HHS Fraud Hotline at 1-800-447-8477.
Often, yes. LIHEAP's definition of a household includes people who pay for energy as part of their rent. Each state decides how it serves renters, so ask your local office.
It depends on your state, your income, your household size, your energy costs, and the type of fuel you use. Your state's LIHEAP office can tell you how it sets benefit amounts.
Ask your state. LIHEAP is funded one federal fiscal year at a time, and each state runs its own application season, so plan on checking with your office each year.
Yes, you can apply for both. They are separate programs with separate eligibility rules, though some states use one application or office for both.
The National Energy Assistance Referral line is 1-866-674-6327. It can tell you where to apply. Your state or local LIHEAP office decides whether you qualify.
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Hidden Benefits You Might Qualify For: Programs People Miss
Lesser-known help with phone, internet, energy, Medicare, school meal and tax costs, who qualifies, and how to apply through official channels.
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