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Utility Assistance for Single Mothers in California

Last updated: July 16, 2026

Bottom line

If your California electric or gas bill is hard to pay, call the utility before the shutoff date and apply for more than one type of help. The main options are the Low Income Home Energy Assistance Program, called LIHEAP, monthly CARE or FERA discounts, no-cost energy upgrades, payment plans, debt-forgiveness plans, and utility hardship funds.

Water, phone, and internet help use different programs. California’s temporary statewide water-bill program has ended, so water help now depends mostly on the city, water company, or local customer-assistance program. California LifeLine still helps with phone service, and a home-broadband pilot began in 2026.

Use the national LIHEAP and utility guide for the basic terms. The ASMOM California assistance guide covers other bills and benefits.

If you have a shutoff notice

Call the number on your bill right away. Ask for the exact shutoff date, a payment arrangement, emergency assistance, and a hold while another agency reviews your application. A partial payment does not always stop disconnection, so ask the utility to confirm the agreement.

Use the CSD service finder to locate the LIHEAP agency for your city or county. A 24- to 48-hour notice may qualify as an energy crisis, but funding and local priority rules still apply.

Call or search 211 California for local utility funds, community action agencies, churches, cooling centers, and emergency services. Call 911 for a gas leak, downed wire, fire, serious heat illness, medical emergency, or immediate danger.

If losing service may also put your housing at risk, use the ASMOM California emergency guide and California housing guide.

Where to start

Service may be shut off

Call the utility, then contact the local LIHEAP agency. Save the shutoff notice and every confirmation number.

The monthly bill is high

Apply for CARE or FERA and ask about Energy Savings Assistance, budget billing, and rate options.

You have old utility debt

Ask about a payment arrangement, Arrearage Management Plan, and the hardship fund offered by your utility.

A medical need uses power

Apply for Medical Baseline and enroll in outage alerts. Make a separate emergency backup plan.

Quick reference

Need Best first step What it may do Reality check
Past-due energy bill Utility and LIHEAP agency Payment plan or one-time help Local funding can run out
Lower monthly energy bill CARE or FERA Ongoing electric or gas discount It may not erase old debt
Large old balance Ask about AMP Forgives debt over time Current bills must be paid on time
Medical equipment or condition Medical Baseline Extra energy at the lowest rate It does not prevent every outage
Water, phone, or internet Local utility or LifeLine Discount or payment plan Programs differ by provider

California LIHEAP and crisis help

The California LIHEAP program helps eligible households with home heating and cooling costs. California received $236 million in federal LIHEAP funding for federal fiscal year 2026, but local agencies must still prioritize the households with the greatest need.

LIHEAP has three main parts. The Home Energy Assistance Program can provide one-time bill help. The Energy Crisis Intervention Program can help in a crisis, such as a 24- to 48-hour shutoff notice or a dangerous energy problem. LIHEAP Weatherization can provide approved energy-saving and health or safety improvements.

The amount of help is not the same statewide. Local providers consider income, household size, bill status, vulnerability, utility service, and available funds. A family can meet the income limit and still be placed behind a household with a more urgent need.

2026 LIHEAP income limits

The current LIHEAP income table uses monthly household income. The local agency makes the final eligibility decision.

People in household Monthly income limit
1 $3,331.66
2 $4,356.83
3 $5,382.00
4 $6,407.16
5 $7,432.25
6 $8,457.41

For more than 10 people, the state adds $192.21 for each extra person. Income sources and local rules can affect the result, so do not reject yourself based only on the chart.

Ask for every energy program

At the LIHEAP appointment, ask whether the same agency can screen your household for bill help, crisis assistance, weatherization, and other community services.

CARE, FERA, and Energy Savings Assistance

The CARE and FERA programs are monthly utility discounts. CARE generally provides a 30% to 35% electric discount and a 20% natural gas discount through large regulated utilities. FERA provides an 18% electric discount for households with income above the CARE limit.

CARE can use income or enrollment in programs such as Medi-Cal, WIC, CalFresh, LIHEAP, SSI, CalWORKs, Tribal TANF, or the free school lunch program. Check the ASMOM California food guide, California TANF guide, and California WIC guide if you may qualify for those benefits.

Current annual income limits

Household size CARE upper limit FERA income range
1-2 $43,280 $43,281-$54,100
3 $54,640 $54,641-$68,300
4 $66,000 $66,001-$82,500
5 $77,360 $77,361-$96,700
6 $88,720 $88,721-$110,900

These limits are effective June 1, 2026 through May 31, 2027. FERA is offered by PG&E, Southern California Edison, and San Diego Gas & Electric. Apply through the utility that sends your bill.

No-cost home energy upgrades

The Energy Savings Assistance program uses the higher FERA income limits. Approved services may include insulation, weatherstripping, caulking, low-flow showerheads, a water-heater blanket, certain appliances, or furnace work. A home assessment decides which measures are allowed.

Renters may qualify, but the utility or contractor may need landlord permission for some work. No household is promised every listed upgrade.

Payment plans, debt relief, and utility funds

The CPUC late-bill page explains payment plans, billing disputes, and service restart help for regulated utilities. Call your utility first and ask for the longest affordable arrangement. If that fails, the CPUC Consumer Affairs Branch may help with a privately owned utility.

Arrearage Management Plan

Major regulated utilities offer an Arrearage Management Plan, called AMP, for some CARE or FERA customers with old debt. Each time the current monthly bill is paid in full and on time, the utility forgives one-twelfth of the eligible past-due balance. Missing current payments can remove the customer from the plan.

Rules differ by utility. For example, the SCE AMP page lists debt of at least $500 that is 90 or more days old and forgiveness of up to $8,000. Ask your own utility to check the account rather than assuming the same limit applies.

Current utility hardship funds

Utility program Current help listed Important rule
PG&E REACH Credit up to $800 Requires a disconnection notice and available funds
SCE Energy Fund Up to $200, or $300 for an all-electric home Generally once in 12 months
SDG&E bill help Neighbor-to-Neighbor up to $150 Temporary hardship and funding rules apply
SoCalGas gas fund One-time help up to $100 Applications use participating agencies

Amounts and open status can change during the year. Confirm the amount before making a payment plan. A grant or pledge may be sent directly to the account rather than to the customer.

Medical Baseline and outage needs

The Medical Baseline program gives an extra electricity or natural gas allowance at the lowest residential rate when a person has a qualifying medical condition or relies on approved medical equipment. There is no income limit.

Medical Baseline is not a cash grant and does not make a home immune from wildfire shutoffs, storms, equipment failures, or disconnection for unpaid bills. Ask the utility about outage notices, accessible alerts, backup-battery programs, and community resource centers.

A qualified medical practitioner usually completes part of the application. The ASMOM California disability guide lists related support for parents and children with medical or disability needs.

Water and sewer bill help

California’s Low Income Household Water Assistance Program is closed. The official LIHWAP status page says the temporary federal program stopped accepting applications and sunset on March 31, 2024.

Call the water company or city billing department and ask about a customer-assistance program, low-income rate, leak adjustment, payment plan, or shutoff review. The water assistance list covers large privately owned water companies regulated by the CPUC.

Publicly owned city and district water systems use their own programs and complaint steps. The CPUC may not regulate them. Ask the provider which local office reviews hardship requests.

Phone and internet assistance

California LifeLine offers discounted home or cell phone service. A household can qualify through income or programs such as Medi-Cal, CalFresh, WIC, LIHEAP, SSI, Section 8, CalWORKs, or certain veterans benefits.

The current annual income limits are $24,600 for one person, $33,300 for two, $42,100 for three, and $50,800 for four. Add $8,700 for each extra person. These limits apply June 1, 2026 through May 31, 2027.

California also launched a three-year home-broadband pilot in January 2026. The broadband pilot page lists up to $20 per month for standalone internet and up to $30 for bundled internet and voice through participating providers.

The low-cost internet finder lists other provider plans by ZIP code. The ASMOM phone and internet guide explains national options and scam warnings.

Documents and information to gather

Do not delay the first call because one paper is missing. Ask what other proof the program accepts. Use the ASMOM documents checklist to keep records together.

Item Examples Why it matters
Utility record Latest bill and account number Confirms service and balance
Urgency proof Shutoff or final notice May support crisis priority
Household Names, ages, and address Programs count household members
Income Pay, benefits, support, unemployment Used for income screening
Public benefits Medi-Cal, CalFresh, WIC, SSI, CalWORKs May prove categorical eligibility
Medical need Provider certification and equipment details Used for Medical Baseline

Common mistakes to avoid

  • Waiting until service is off. Call as soon as a final notice arrives.
  • Applying for only one program. LIHEAP, CARE, AMP, and hardship funds are separate.
  • Assuming CARE clears old debt. CARE mainly lowers current monthly charges.
  • Missing an agency request. Check voicemail, email, mail, and spam folders.
  • Paying a fake utility collector. Call the number printed on the official bill.
  • Using old water information. State LIHWAP applications closed in 2024.

If help is denied, delayed, or ignored

Ask for the reason, missing documents, and deadline in writing. Keep the application, bill, notice, upload receipts, names, and call dates.

For LIHEAP or weatherization, start a written appeal with the local provider. The CSD appeal page says the provider must review the appeal and issue a decision within 15 days. If you still disagree, you may appeal in writing to CSD.

For a privately owned electric, gas, water, or phone company, contact the utility first. If the problem is not fixed, use the CPUC complaint process or call 1-800-649-7570. Municipal utilities use local complaint steps.

The ASMOM denied benefits guide can help you track documents and deadlines. The California legal guide lists help for billing disputes, tenant utility problems, and other civil issues.

If utility debt is part of a larger budget crisis, also check the ASMOM California child care guide, California community guide, and California transportation guide.

Phone scripts you can use

Calling the utility

“Hello, I have a past-due residential bill and children at home. What is the exact shutoff date? Please check payment plans, CARE or FERA, AMP, Medical Baseline, and any hardship fund on my account.”

Calling the LIHEAP agency

“Hello, I found your agency through California CSD. I need help with an energy bill and have a [shutoff notice or high balance]. Are applications open, and what documents should I send first?”

Calling about a water bill

“Hello, I need help with my water or sewer bill. Since state LIHWAP is closed, does this utility offer a low-income discount, payment plan, leak adjustment, hardship fund, or shutoff review?”

Calling after a denial

“I received a denial or have not received a decision. Please explain what is missing, give me the decision in writing, and tell me the appeal or complaint deadline.”

Resumen en español

Si necesita ayuda con la luz o el gas en California, llame primero a la compañía. Pregunte por un plan de pago, CARE o FERA, LIHEAP, ayuda de emergencia y un programa para reducir deuda.

Los límites de LIHEAP cambiaron en 2026. La ayuda estatal temporal para agua, LIHWAP, ya está cerrada. Para agua, llame a la ciudad o compañía local. California LifeLine puede ayudar con teléfono y algunos proveedores de internet.

Guarde la factura, el aviso de corte, prueba de ingresos y confirmaciones. Si le niegan ayuda, pida la razón por escrito y la fecha límite para apelar.

FAQ

Can LIHEAP pay my California utility bill?

LIHEAP may provide one-time energy bill help, crisis assistance, or weatherization. The local provider decides eligibility and priority based on income, household need, bill status, and available funds.

How much does CARE discount?

Large regulated utilities generally provide a 30% to 35% electric discount and a 20% natural gas discount to approved CARE customers.

Can old utility debt be forgiven?

Some CARE or FERA customers may qualify for AMP. Each on-time current payment can forgive one-twelfth of eligible old debt. Utility rules and debt limits apply.

Is California water assistance open?

The statewide LIHWAP program is closed and stopped accepting applications in 2024. Ask the water company or city about local discounts, payment plans, and hardship funds.

Does Medical Baseline prevent shutoff?

No. Medical Baseline provides extra energy at the lowest rate for qualifying medical needs. It does not prevent every outage or disconnection, so a backup plan is still important.

What can I do after a denial?

Ask for the reason in writing. LIHEAP appeals start with the local provider. Utility complaints may go to the CPUC when the company is privately owned and regulated.

Last updated: July 16, 2026
Next review: October 16, 2026

About this guide

This guide uses official federal, state, local, and other high-trust nonprofit and community sources mentioned in the article.

A Single Mother is independent and is not a government agency, benefits office, lender, law firm, medical provider, or tax advisor.

Program rules, funding, local availability, and eligibility can change. Always confirm details with the official program before you apply or make decisions.

Verification: Last verified July 16, 2026, next review October 16, 2026.

Corrections: If you see something wrong or outdated, email suggestions@asinglemother.org.

Disclaimer: This article is for general information only. It is not legal, financial, medical, tax, immigration, disability, safety, or government-agency advice.