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As of: 12:46 PM, 7/24/21

Additional Payment Plans and Assistance


Behind on Your Bill? Explore These Payment Plans


The CARE Program


An Affordable Payment Plan
If you need assistance managing your energy bill, the Consumers Affordable Resource for Energy (CARE) Program may be able to help.

As a CARE member, you will receive the following benefits:

  • A portion of your monthly bill will be paid by the program
  • Any past due balance you might have will be gradually forgiven as a reward for on time payments.
Learn about eligibility and the enrollment process.
Get a Consistent Payment Year-Round
If your past due balance is less than $75, consider our Budget Plan. The Budget Plan offers an effective solution if you’re looking to avoid unexpectedly high bills during times of higher energy use.

The Budget Plan may be a good option for you if:

  • You want a bill that’s predictable from month-to-month
  • You have a past due balance of no more than $75
  • You haven’t defaulted on your payment more than two times in the last year
If you are currently serving in the military, we recommend:
  • Shut-off Protection – Active Duty in the Military: If you (or your spouse) are the main contact for your account and are called to full-time active military service, you may request protection from disconnection for up to 90 days. You may also request an extension by reapplying.
    • If you (or your spouse) are the customer of record and you’re called to full-time active military service, you may apply for shut-off protection for up to 90 days. You may request an extension by reapplying.
      • You must provide verification of active duty status.
      • At the end of active duty, you must notify us of your change in status.
      • You still will be required to pay for the energy you used during your participation in this program.
      • We will set up a payment plan for all past due amounts to be paid within one year.
      • To join, call us at 800-477-5050.
Additional resources:
Michigan Veterans Trust Fund: Provides eligible wartime veterans and their families located in Michigan with temporary energy assistance for emergencies or hardships.
As a senior citizen, you qualify for the following assistance:
  • Winter Protection Plan: Pay partial charges through winter months while receiving seasonal protection from disconnection.
  • Electric Senior Citizen Bill Credits: This income assistance credit is designed to help seniors on fixed incomes.
    • The Electric Senior Citizen provision is designed to help you with your electric bill by offering a monthly credit of $3.75 to your bill. Qualifying customers must meet age requirements and be the head of the household.
    • If you are eligible to receive the Electric Income Assistance credit, you will no longer receive the Electric Senior Citizen credit.
Additional resources:
  • Michigan Aging & Adult Services Agency: Local Area Agencies located within communities statewide provide a variety of senior services and activities.
  • Elder Law of Michigan: Older adults and people with disabilities can get help paying for the cost of basic needs like food, medicine, healthcare, utilities, housing and taxes.
  • Critical Care Program: If you are on life support or have a life-threatening medical condition, you are eligible for shut-off protection. Please complete the Medical Certification Form to get started. Please note, if you are participating in life support shut-off protection, you need to re-enroll every year.
    • PLEASE NOTE: Backup generators and transportation services are not part of this program. Participation in this program does not mean your electric power will be restored sooner than others.

  • Medical Emergency Protection: If you have a qualifying, documented medical emergency, you can be protected from an energy service shut-off for up to 21 days.
  • Third Party Notification: We’ll send a copy of any shut-off notice you receive to a third party, with your written authorization. This may include a consenting friend, relative or agency.
    • Your third-party contact is not responsible for paying your bill but may act as a liaison between you and Consumers Energy. To set up Third Party Notifications, call us at 800-477-5050.

Consumers Energy partners with several agencies across the state who provide energy assistance. Check your income below to see if you’re eligible for an energy assistance program.

Federal Poverty Guidelines (FPL):

Number of Household Members 110% FPL HHC

(Annual)
150% FPL SER,
CARE, WPP, RIA

(Monthly)
200% FPL WAP,
SPP, Helping Neighbors

(Monthly)
1 $14,168 $1,610 $2,147
2 $19,162 $2,178 $2,903
3 $24,156 $2,745 $3,660
4 $29,150 $3,313 $4,417
5 $34,144 $3,880 $5,173
6 $39,138 $4,448 $5,930
For each additional person add $4,994 $568 $757

* Some non-profit agencies might provide assistance to households with a higher income level. Please contact the agency for details.

Michigan Energy Assistance Program


We work with agencies to provide energy assistance programs that include help paying energy bills, household budgeting and energy efficiency.

Call 2-1-1 or contact one of the participating agencies below:

The United Way
of Jackson County

helpwithutilities.com
517-741-0202

The Heat and Warmth
Fund (THAW)

thawfund.org/programs
800-866-8429

St. Vincent de
Paul Society
helpwithmybill.com
877-788-4623

True North
Community Services

tnempower.org
231-355-5880

Barry County United Way
bcunitedway.org
269-945-4010

The United Way of Southeastern Michigan
unitedwaysem.org/utility-assistance/
844-211-4994

The Salvation Army
salarmy.us/energy
616-929-1645

Bureau of Community Action and Economic Opportunity
newmibridges.michigan.gov
Or contact your local
Community Action Agency