Utility Assistance for Single Mothers in Kentucky
Utility Assistance for Single Mothers in Kentucky
Last updated: September 2025 — check current program details at Kentucky Housing Corporation (Weatherization), confirm shutoff rules with Kentucky Public Service Commission (PSC), and verify LIHEAP dates on the federal LIHEAP Clearinghouse profile for Kentucky. (kyhousing.org)
If You Only Do 3 Things — Emergency Actions to Take
- Call your utility’s credit/collections line now: ask for a payment arrangement and note the request time, name, and confirmation number; for LG&E/KU call LG&E 502-589-1444 or KU 1-800-981-0600, for Duke Energy Kentucky call the assistance page via Duke Payment Plus, for Kentucky Power use the Payment Assistance portal. (lge-ku.com)
- Get a same-day LIHEAP “crisis” appointment: find your County Community Action office via Community Action Kentucky’s network, use Louisville’s automated scheduler at Louisville Metro LIHEAP appointments, or in Lexington call Community Action Council 859-300-6960. Crisis benefits can pay a vendor pledge to stop shutoff. (louisvilleky.gov)
- Use Kentucky’s shutoff protections today: ask your clinic to fax a PSC medical certificate for a 30‑day hold and request a written payment plan; if it’s Nov 1–Mar 31 ask about “winter hardship reconnection” (pay 1/3 or $200 max + plan by Oct 15). Rules are in 807 KAR 5:006 and the PSC complaints/consumer help page. (law.cornell.edu)
Quick Help Box — Keep These Handy
- PSC Consumer Hotline: call 1-800-772-4636 if a regulated utility won’t work with you, or to file a complaint online via the PSC Complaints portal; TTY users can access KY Relay. (psc.ky.gov)
- Find your Community Action office: statewide LIHEAP line 1-800-456-3452 or search Community Action Kentucky’s map; Lexington-Fayette residents can schedule at Community Action Council. (liheapch.acf.hhs.gov)
- Call 211 now: dial 2‑1‑1, text zip to 898211, or use regional portals like United Way of the Bluegrass 211 and UW of Southern Kentucky 211 for local utility funds and churches. (kentucky211.org)
- Water/Sewer relief: Louisville Water/MSD customers can use Drops of Kindness plus MSD’s Emergency Wastewater Rate Assistance Program; Kentucky American Water customers can apply for H2O Help to Others. (louisvillewater.com)
- Phone/Internet discount: apply for the federal Lifeline $9.25/month program and find companies via Companies Near Me tool; note the ACP broadband program ended June 1, 2024 per FCC ACP notice. (usac.org)
Who This Guide Is For and How to Use It
What you will get here: straight, Kentucky‑specific steps to keep lights, heat, water, and connectivity on; real phone numbers and links; and plain-language tips to get to “paid” faster. Use the emergency steps above first, then scan each section for the program that fits your bill type, county, and timeline. Keep PSC and 211 numbers nearby, and use the checklists to avoid denials. For quick searches, use state portals like kynect resources, federal help like LIHEAP profiles, and local networks like Community Action Kentucky. (chfs.ky.gov)
Kentucky Utility Help at a Glance
| Program | What it pays | Who runs it | Typical window | How to apply |
|---|---|---|---|---|
| LIHEAP Subsidy (heating/cooling) | One-time vendor payment; heating 134–134–250; cooling 41–41–250 | Community Action agencies | Fall/Winter heating; Spring/Summer cooling; first-come | Contact your local CAA; Louisville scheduler |
| LIHEAP Winter Crisis | Pledge to stop disconnect/restoration; up to local bulk fuel cost or $400 for gas/electric | Community Action agencies | Jan–Mar; can extend when funds allow | Make a crisis appointment at Community Action Council or find your CAA via CAPKY |
| Utility company bill credits | Monthly credits, arrearage plans, weatherization | LG&E/KU, Duke KY, KY Power | Year-round, varies | See LG&E/KU help, Duke Payment Plus, Kentucky Power HEART/THAW |
| Weatherization Assistance Program (WAP) | Free energy-saving upgrades | Kentucky Housing Corporation | Waitlists common; priority to high-need | Apply via your CAA linked at KHC WAP |
| Water/Sewer help | Bill credits/discounts and payment plans | Louisville Water/MSD, KY American Water | Year-round if funds exist | Drops of Kindness, MSD EWRAP, H2O Help to Others |
According to the LIHEAP Clearinghouse (updated March 18, 2025), Kentucky’s FY 2025 LIHEAP income limit is 150% of the federal poverty level; typical benefit ranges for heating are 134–134–250 and summer crisis assistance may go up to $400, subject to funding. Dates vary by county and season. Always call to confirm dates before you go. (liheapch.acf.hhs.gov)
How to Stop a Utility Shutoff in Kentucky Today
Call the utility’s credit department and ask for a payment plan: under Kentucky’s 807 KAR 5:006, regulated gas/electric utilities must negotiate “reasonable” partial payment plans after a termination notice, and must give at least 10 days’ written notice; service generally cannot be shut off earlier than 27 days after the original bill mailing. If you dispute an amount and keep paying the undisputed part, your account stays current while the dispute is pending. If the utility won’t work with you, note details and call the PSC at 1-800-772-4636. (law.cornell.edu)
Use medical and winter protections immediately: a written “medical certificate” from a physician, RN, or public health officer can delay disconnection for 30 days; during Nov 1–Mar 31, if you’ve been shut off, you can request “winter hardship reconnection” with a Cabinet certificate plus payment of one‑third of arrears (or $200, whichever is less) and a pay plan through Oct 15. These rights are in 807 KAR 5:006 Sections 14–16. (law.cornell.edu)
Know who the PSC regulates (and who it doesn’t): the PSC does not regulate TVA‑served municipal utilities, city‑owned water works, sanitation districts, cable, or bottled gas; it does regulate investor‑owned gas/electric/water and many associations. If your provider is unregulated, negotiate directly and loop in your mayor/city utility board, and still call 211 to find local help. See the PSC’s complaints page for scope. (psc.ky.gov)
What to do if this doesn’t work: escalate to PSC Consumer Services, request a supervisor review at the utility, and bring an advocate (Community Action, Legal Aid) on the next call. For immediate funds, call 211, ask churches in the Louisville Association of Community Ministries list, and re‑apply for LIHEAP Crisis if a second pledge is allowed. (louisvilleministries.org)
Low Income Home Energy Assistance Program (LIHEAP) — Kentucky
Start here: book an appointment during the active component for your county. Subsidy and Crisis windows differ by season. Confirm dates and caps through your local Community Action office via CAPKY’s network map, or check county pages like Community Action Council (Lexington area) and Louisville Metro LIHEAP page. Statewide info appears on the LIHEAP Clearinghouse (KY profile). (liheapch.acf.hhs.gov)
Eligibility rules: Kentucky uses 150% FPL for LIHEAP; documents usually include SSNs or USCIS cards for all household members, last month’s income for all, current utility bill(s), account numbers, and disconnect notice for Crisis. For pre‑pay electric, you may need proof of 10 days or less balance. Local agencies list the same docs, for example Daniel Boone CAA’s LIHEAP Crisis post and Community Action Council’s checklist. Keep originals and photos. (danielboonecaa.org)
Benefit amounts and timing: Kentucky’s FY 2025 typical heating benefit runs 134–134–250; Summer Subsidy cooling is 41–41–250; winter crisis assistance may go up to $400 for metered gas/electric or local bulk fuel cost. Non‑crisis payments often post in 10–15 business days; same‑day vendor pledges are common for Crisis with disconnect notices. Always ask your worker for the “pledge confirmation” to give your utility. Ranges are from the LIHEAP Clearinghouse and multiple CAA notices like CAC’s Spring/Summer posts. (liheapch.acf.hhs.gov)
Seasonal calendar — watch your window: Community announcements show these 2025 windows: Winter Crisis Jan 7–Mar 15 (extended to Mar 31 in 2025 by CAAs), Spring Subsidy Apr 15–May 30, Summer Subsidy Jul 28–Sep 12, with local variation. Always call to confirm dates and availability. See CAC Winter Crisis, CAC Spring Subsidy, CAC Summer Subsidy, and extension coverage from NKyTribune. (commaction.org)
How to apply (step-by-step):
- Book an appointment or walk in: use CAPKY’s map, Louisville LIHEAP scheduler, or CAC appointments. Crisis slots fill early—call when lines open. (louisvilleky.gov)
- Bring complete documentation: IDs for all adults, SSNs for all household members, last 30 days’ gross income for all, lease if utilities included, and the current bill(s) with account numbers. For electric/gas Crisis, bring the disconnect or past‑due notice. Local posts (e.g., Daniel Boone CAA) show the exact list. (danielboonecaa.org)
- Ask for a vendor pledge with confirmation: get the pledge ID and date. If the utility still threatens shutoff, give them the pledge details and call PSC Consumer Services if needed; confirm your account is flagged. (psc.ky.gov)
What to do if this doesn’t work: re‑apply if a second Crisis is allowed before your cap; call 211 for church funds; ask your utility for a parallel payment plan while the pledge posts; and escalate to PSC for regulated utilities. (psc.ky.gov)
Utility Company Programs You Can Stack
LG&E and KU programs: request a payment arrangement, Budget Billing, and consider WeCare (free energy‑saving upgrades for eligible customers). See LG&E/KU “We are here to help”, WeCare program, and summer LIHEAP details on LG&E’s assistance page. Call LG&E 502‑589‑1444 or KU 1‑800‑981‑0600. (lge-ku.com)
Duke Energy Kentucky (Boone, Campbell, Kenton): ask about Payment Plus (earn up to $500 toward your bill with class + weatherization) via Duke Payment Plus; schedule LIHEAP with NKCAC, and explore weatherization via People Working Cooperatively. (duke-energy.com)
Kentucky Power (AEP) — Eastern KY: check HEART (monthly winter credits) and THAW (one‑time winter help). See Kentucky Power Payment Assistance. Pair with LIHEAP Crisis at your local CAA and legal help via AppalReD if needed. (kentuckypower.com)
Co-ops and municipal utilities: many offer Operation Round Up/Plus One and local funds administered by CAAs. Examples include Nolin RECC Operation Round-Up, Pennyrile Electric PLUS-ONE, and city programs like Paducah Power’s Operation Round-Up via WKAS or OMU Community Cares. Always call your co‑op’s member services number to ask about hardship funds. (nolinrecc.com)
What to do if this doesn’t work: re‑ask for a longer arrangement; bring proof of LIHEAP pledge; and ask about arrearage management or hardship funds your rep didn’t mention. If refused, submit a PSC inquiry for regulated utilities via PSC Complaints. (psc.ky.gov)
Water and Sewer Bill Help
Louisville Water + MSD (Jefferson/Oldham/Bullitt): the joint Drops of Kindness program connects you to agencies, extensions, and MSD discounts; MSD’s Emergency Wastewater Rate Assistance Program offers a 30% discount for income‑eligible households (participation capped). Check news coverage for dates and caps, like WDRB’s EWRAP update. (louisvillewater.com)
Kentucky American Water (Lexington area): apply for H2O Help to Others (up to $250/year; 225% FPL in 2025) administered by Community Action Council; call KAW at 1‑800‑678‑6301 for payment plans. (amwater.com)
Northern Kentucky: SD1 offers a Customer Assistance Program (20% sewer bill discount for low‑volume users); for water, contact NKWD customer service to discuss payment options and hardship referrals. (sd1.org)
Western KY examples: Paducah residents can apply for PPS Operation Round-Up via aid partners like WKAS; Owensboro’s OMU lists partners on its Payment Assistance page. Ask your city hall or utility board if a local hardship fund exists. (paducahpower.com)
What to do if this doesn’t work: ask your city’s utility board clerk about hardship funds; call 211 for churches that pay water bills; and request long‑term, low‑payment plans directly with the utility. (kentucky211.org)
Weatherization and Efficiency — Lower the Bill for Good
Apply for Weatherization Assistance (free upgrades): Kentucky’s WAP is administered by Kentucky Housing Corporation and delivered by your local CAA. Typical services include insulation, air‑sealing, duct repair, and sometimes HVAC work; priority goes to high‑burden homes, seniors, and households with kids or disabilities. Expect a waitlist; apply early and keep your phone on for scheduling. Eligibility and contacts live on the WAP Eligibility page and county CAA pages like MPCAA Weatherization. (kyhousing.org)
Pair with utility efficiency programs: if you’re an LG&E/KU customer, apply for WeCare for no‑cost efficiency installs. Paducah Power offers home check‑ups and a subsidized energy audit via PPS Ways to Save. Always ask your utility for bulb/thermostat kits and DIY supplies. (lge-ku.com)
New 2025 rebates to watch: Kentucky is standing up Inflation Reduction Act Home Energy Rebates through the Energy & Environment Cabinet’s Office of Energy Policy; the dedicated portal at energyrebates.ky.gov tracks launch steps and email updates. LG&E/KU also posts IRA updates on its IRA page. Timelines can shift—sign up for alerts before buying appliances. (eec.ky.gov)
What to do if this doesn’t work: if WAP waitlists are long, ask your utility for low‑cost kits; ask CAA if you qualify for priority; and re‑apply if your phone, address, or family size changes. Check Rewiring America’s calculator on the IRA page to estimate tax credits you can claim at filing time. (lge-ku.com)
Phone and Internet Discounts
Use Lifeline now: Lifeline offers up to $9.25 off phone or internet (more on Tribal lands). Apply via USAC Lifeline, check your status with the Lifeline Support Center, and find participating providers using Companies Near Me. Income limit is 135% FPL, or qualify through programs like SNAP/Medicaid. (usac.org)
ACP ended: the federal Affordable Connectivity Program stopped accepting new applications on Feb 7, 2024 and ended benefits June 1, 2024. See the FCC’s ACP status page and consumer FAQ. If a site says ACP is still open, report it to the FCC complaints center. (fcc.gov)
What to do if this doesn’t work: ask your provider about low‑income plans not tied to ACP, combine Lifeline with the cheapest tier, and check public hotspots through libraries listed on kynect resources. (chfs.ky.gov)
Know Your Rights in Kentucky
Notice and timing: gas/electric utilities must give 10‑day written termination notice; shutoff can’t occur before 27 days after the original unpaid bill date. Written payment plans must be offered after a notice. Dispute rights keep your account “current” if you pay the undisputed amount. All are in 807 KAR 5:006 and PSC’s consumer pages. (law.cornell.edu)
Medical/winter holds: a medical certificate halts shutoff 30 days; Nov 1–Mar 31, eligible customers can request a 30‑day winter hardship extension (or reconnection) with Cabinet certification; certain deposits cannot be required during these holds. See 807 KAR 5:006. (law.cornell.edu)
Who to call when stuck: PSC hotline 1‑800‑772‑4636 for regulated utilities; for city‑owned utilities or TVA‑served co‑ops, call the city utility office/board and still log issues with 211 and your Community Action agency. (psc.ky.gov)
What to do if this doesn’t work: ask your primary care office for a same‑day medical certificate; file a PSC informal complaint; and bring Legal Aid into the call to prevent wrongful disconnection. Use Legal Aid of the Bluegrass, Legal Aid Society (Louisville), and AppalReD Legal Aid. (lablaw.org)
Common Mistakes to Avoid
- Missing documents at intake: bring complete income proof for every adult and the actual disconnect notice. Follow county lists like CAC’s crisis checklist and Daniel Boone CAA’s list. (commaction.org)
- Waiting for shutoff day: call early for payment plans, then schedule LIHEAP. Utilities list options on LG&E/KU help pages and Kentucky Power assistance. (lge-ku.com)
- Not using medical/winter holds: these 30‑day protections can buy time to secure a pledge and plan. Rules live in 807 KAR 5:006. (law.cornell.edu)
- Assuming PSC regulates your utility: many water/sewer and TVA municipal systems are outside PSC scope; see PSC’s limits and work with city boards and 211 networks. (psc.ky.gov)
- Not re‑applying when windows reopen: Kentucky runs multiple LIHEAP components (fall, winter crisis, spring/summer cooling). Date ranges change—watch community action alerts. (commaction.org)
Reality Check
Funding runs out: LIHEAP and charity funds are first‑come. Some ministries post “no funds” mid‑month. The Louisville ministries page posts status updates on LG&E and water funding, and agencies warn to apply early (see KRFDC spring cooling notice). (louisvilleministries.org)
Processing delays happen: non‑crisis payments can take a couple of weeks to post. Ask for a pledge number and a hold note on your utility account per PSC guidance; crisis pledges are often same‑day but still call to confirm. (psc.ky.gov)
Rules vary by system: city water/sewer boards and TVA‑served municipals set their own rules; NKY’s SD1 or NKWD policies differ from LG&E/KU. Always ask for the specific written policy before agreeing to terms. (sd1.org)
Quick Reference Cheat Sheet
- PSC Consumer Hotline: 1‑800‑772‑4636; file online via PSC Complaints; KY Relay available. (psc.ky.gov)
- Find LIHEAP nearest office: Community Action Kentucky map; statewide info on LIHEAP Clearinghouse; Lexington scheduler at CAC. (liheapch.acf.hhs.gov)
- Louisville utilities: LIHEAP scheduling, Drops of Kindness, MSD EWRAP. (louisvilleky.gov)
- Northern Kentucky: NKCAC LIHEAP, Duke Payment Plus, SD1 CAP. (nkcac.org)
- Lexington area: CAC appointments, KAW H2O program, City emergency assistance 859‑300‑5300. (lexingtonky.gov)
Application Checklist (screenshot‑friendly)
- Photo ID for all adults: driver’s license or state ID; for help getting IDs in Louisville, see Catholic Charities ID assistance info. (cclou.org)
- Social Security card/number for each household member: see SSA “my Social Security” or your CAA’s list like CAC crisis docs. (commaction.org)
- Last 30 days’ income for everyone: pay stubs, award letters, child support; see CHFS LIHEAP doc list. (chfs.ky.gov)
- Current bill(s) and account numbers: bring electric, gas, bulk fuel vendor details; for pre‑pay show under 10 days remaining per CAA notices. (danielboonecaa.org)
- Disconnect/past‑due notice for Crisis: examples accepted are listed on CAC crisis page; bring lease if heat included. (commaction.org)
- Proof of address and household size: lease, mail, school records; and any special proof (medical letter for PSC certificate under 807 KAR 5:006). (law.cornell.edu)
Resources by Region (with examples)
Louisville/Jefferson County: use Louisville Metro LIHEAP scheduler; for water/sewer ask Drops of Kindness and MSD EWRAP; local ministries coordinate LG&E pledges via Association of Community Ministries (contacts by zip). (louisvilleky.gov)
Lexington/Fayette + Bourbon/Harrison/Nicholas: schedule Community Action Council; for water see Kentucky American Water H2O via CAC; the City offers emergency utility aid at 859‑300‑5300. (lexingtonky.gov)
Northern Kentucky (Boone/Kenton/Campbell): apply through NKCAC; for electric use Duke Payment Plus; sewer discounts via SD1 CAP. (nkcac.org)
Eastern Kentucky (AEP Kentucky Power counties): combine LIHEAP Crisis with HEART/THAW; for legal backup contact AppalReD Legal Aid. (kentuckypower.com)
Western Kentucky (Paducah/Owensboro areas): check Paducah Power Operation Round-Up, OMU Payment Assistance partners, co‑op funds like Kenergy payment assistance, and your county’s Community Action office via CAPKY. (omu.org)
What to do if this doesn’t work: call 211 for nearby churches, ask your city clerk about hardship funds, and escalate regulated‑utility issues to PSC Consumer Services. (psc.ky.gov)
Local Organizations, Charities, Churches, and Support Groups
- Association of Community Ministries (Louisville): zip‑based help with LG&E and water via ACM Assistance; ministry numbers listed by area; many coordinate Winterhelp partners. For parish‑based help, ask St. Vincent de Paul Louisville. (louisvilleministries.org)
- Catholic Charities & Kentucky Refugee Ministries: emergency financial help and case management through Sister Visitor Center, main line at Catholic Charities Louisville, and newcomer services via KRM offices. (cclou.org)
- Legal Aid: protect against unlawful shutoff or landlord retaliation by calling Legal Aid of the Bluegrass, Legal Aid Society (Louisville), or AppalReD Legal Aid; get county intake hours on each site. (lablaw.org)
What to do if this doesn’t work: if your local ministry is out of funds, ask when they restock, add your name to the callback list, and try neighboring zip ministries; meanwhile, apply for LIHEAP Crisis again if you have a new notice. (commaction.org)
County‑Specific Variations You Should Know
- Jefferson County: LIHEAP appointments route through Louisville Metro’s scheduler; water/sewer aid is coordinated via Drops of Kindness and MSD EWRAP; neighborhood ministries list LG&E aid windows on ACM’s site. (louisvilleky.gov)
- Fayette County: CAC runs LIHEAP; Kentucky American Water’s H2O is available; the City’s utility assistance line 859‑300‑5300 may help with disconnection prevention. (lexingtonky.gov)
- Northern Kentucky: NKCAC handles LIHEAP; Duke Payment Plus offers earned credits; SD1 CAP gives a sewer bill discount. (nkcac.org)
- Eastern KY (AEP Kentucky Power): utility‑specific programs like HEART/THAW can stack with LIHEAP Crisis from your CAA; bring both pledge details to the utility. (kentuckypower.com)
- Jackson Purchase/Western counties: Paducah Power Operation Round‑Up and OMU Payment Assistance partner with WKAS/Salvation Army; co‑ops like Kenergy refer to Audubon/Pennyrile Area CAAs. (omu.org)
What to do if this doesn’t work: if your county is out of funds, check nearby counties (some agencies cross‑serve), ask your utility for a hold while you wait, and get on callback lists. Always keep PSC and 211 in your notes. (psc.ky.gov)
Diverse Communities — Tailored Tips and Gateways
LGBTQ+ single mothers: ask your provider about privacy when using medical certificates; connect with inclusive aid through Legal Aid Society for consumer rights, the statewide 211 network for affirming churches, and city ministries like ACM’s list that serve regardless of orientation. Accessibility: ask for “large print” forms and interpreter services if needed. (psc.ky.gov)
Single mothers with disabilities or disabled children: request a PSC medical certificate hold for 30 days and priority Weatherization; see 807 KAR 5:006 and KHC WAP. For case management, call 211 to locate disability supports in your county. Ask utilities for TTY and ADA accommodations. (law.cornell.edu)
Veteran single mothers: call the Kentucky Department of Veterans Affairs for SSVF referrals and link with 211 for utility aid; legal issues (benefits/consumer debt) can route through Legal Aid of the Bluegrass or Kentucky Legal Aid. Accessibility: ask for mailed forms if online portals are hard to use. (lablaw.org)
Immigrant and refugee single moms: use case management at Catholic Charities Migration & Refugee Services and KRM offices to get interpreters, documentation help, and budget counseling; agencies will often coordinate LIHEAP and water pledges. Request translated notices; ask for TTY if needed. (cclou.org)
Tribal citizens in Kentucky: if you live on qualifying Tribal lands (rare in KY), you may qualify for enhanced Lifeline and Tribal LIHEAP administered by your Tribe; the BIA Eastern Region resources can direct you to contacts. If you’re off Tribal lands in KY, use state LIHEAP and local CAAs. Accessibility: ask for large‑print apps and interpreter services. (bia.gov)
Rural single moms with limited access: ask for phone appointments with your CAA (e.g., NKCAC remote scheduling), request mailed forms, and use PSC complaint phone lines for disputes. For outages or storm recovery, co‑ops post updates and assistance referrals (see Pennyrile Electric updates). (nkcac.org)
Single fathers and non‑custodial parents: all programs above are household‑based; use kynect resources to find child support, employment, and budgeting help; combine with LIHEAP and utility payment plans. Accessibility: ask for phone‑based appointments. (chfs.ky.gov)
Language access: many agencies offer interpreters—ask your CAA; PSC provides relay access on Contact page; Catholic Charities lists Language Services and KRM offers multilingual staff at all locations. (psc.ky.gov)
What to do if this doesn’t work: request ADA/LEP accommodations in writing; ask to speak with the agency ADA/Title VI coordinator; and loop in Legal Aid if a reasonable accommodation is refused. Use Legal Aid Society, LABG, and AppalReD. (yourlegalaid.org)
Tables You Can Use
LIHEAP 2025 Snapshot (confirm locally)
| Component | Dates (examples) | Income limit | Typical benefit | Where to schedule |
|---|---|---|---|---|
| Winter Crisis | Jan 7–Mar 15 (extended to Mar 31 in 2025) | 150% FPL | Up to local bulk fuel cost or $400 for gas/electric | CAPKY map; CAC Winter; Louisville Metro |
| Spring Subsidy (cooling) | Apr 15–May 30 (Lexington area) | 150% FPL | One‑time electric credit | CAC Spring |
| Summer Subsidy (cooling) | Jul 28–Sep 12 (Lexington/Louisville) | 150% FPL | 41–41–250 | CAC Summer; Louisville Metro |
| Heating Subsidy | Fall (varies by county) | 150% FPL | 134–134–250 typical | LIHEAP KY profile |
Sources note 2025 ranges and dates; counties may differ. Always call your local CAA. (liheapch.acf.hhs.gov)
Major Electric/Gas Utility Help
| Utility | Payment plans | Bill credits/programs | Efficiency help | Contact |
|---|---|---|---|---|
| LG&E/KU | Payment arrangements, Budget Billing | HEA credits vary; pair with LIHEAP | WeCare | Help page |
| Duke Energy KY | Payment arrangements | Payment Plus ($500 possible) | Home weatherization via PWC | Programs page |
| Kentucky Power | Payment arrangements | HEART/THAW | Efficiency tips on site | Assistance |
Water/Sewer Assistance
| Provider | Program | What it does | Where to apply |
|---|---|---|---|
| Louisville Water/MSD | Drops of Kindness | Extensions, agency referrals; MSD discounts | Online/phone |
| Louisville MSD | EWRAP 30% discount | Temporary wastewater discount | Online/phone |
| Kentucky American Water | H2O Help to Others | Up to $250/yr; CAC administers | CAC/online |
Weatherization and Rebates
| Program | Who qualifies | What you get | Link |
|---|---|---|---|
| KHC Weatherization | 200% FPL typical; LIHEAP/SSI/KTAP can qualify | Insulation, air sealing, HVAC repairs | KHC WAP |
| LG&E/KU WeCare | Income‑eligible LG&E/KU customers | In‑home installs, education | WeCare |
| IRA Home Energy Rebates | State program launching 2025 | Big discounts on home upgrades | energyrebates.ky.gov |
Phones and Internet
| Program | Discount | Where to apply | Notes |
|---|---|---|---|
| Lifeline | Up to $9.25/mo | USAC Lifeline | 135% FPL or program‑based |
| ACP (ended) | Ended Jun 1, 2024 | FCC ACP page | Watch for any future updates |
(usac.org)
If Your Application Gets Denied
Ask for the reason in writing: denial letters must cite the missing doc or rule. Then fix the exact issue and re‑apply. Use CAPKY’s map to find the next appointment and ask for a supervisor review at the CAA. (kyhousing.org)
Escalate with help: call 211 to find another fund; request a PSC informal complaint if a regulated utility refused a reasonable payment plan; and ask Legal Aid to help if denial violates policy. (psc.ky.gov)
Keep service on while you fix it: submit a PSC medical certificate if applicable; ask for a one‑time extension; and get a church pledge via ACM list in Jefferson County or your local United Way via 211. (law.cornell.edu)
Real‑World Examples
Example A (Jefferson): a mom with a shutoff notice booked Louisville LIHEAP Crisis, got a same‑day LG&E pledge, and enrolled in LG&E Budget Plan. When her MSD bill piled up, she added EWRAP to reduce charges. (louisvilleky.gov)
Example B (Lexington): a renter used CAC Spring Subsidy for a one‑time electric credit, then qualified for KAW H2O. She also called the city’s utility assistance line for a disconnect prevention pledge. (lexingtonky.gov)
Example C (Northern KY): a Duke customer enrolled in Payment Plus, earned a $500 credit, then applied for the SD1 CAP sewer discount; NKCAC helped with LIHEAP crisis during a winter spike. (duke-energy.com)
FAQs (Kentucky‑Specific)
- How fast can LIHEAP Crisis stop a shutoff: same‑day vendor pledges are common once you’re served; call your utility with the pledge number to ask for a hold until it posts. See examples from CAC Winter Crisis and state program notes at the LIHEAP Clearinghouse. (commaction.org)
- What if I use pre‑pay electric: bring proof you have 10 days or less on the meter for Crisis per multiple CAA notices like Daniel Boone CAA. Ask the utility to place a short hold after the pledge. (danielboonecaa.org)
- Are there winter reconnection rights: yes; Nov 1–Mar 31 rules allow reconnection with a Cabinet certificate, a payment of one‑third of arrears (or $200 max), and a plan through Oct 15 per 807 KAR 5:006 Section 16. (law.cornell.edu)
- Who do I call if a utility won’t honor a pledge: for regulated utilities, call PSC Consumer Services; for municipal systems, work with the city utility office and keep 211 finding other funds. (psc.ky.gov)
- Can I get help with water bills: Louisville customers use Drops of Kindness and MSD EWRAP; Lexington customers use KAW H2O. (louisvillewater.com)
- Is there internet help now that ACP ended: yes—Lifeline is still available; ACP ended June 1, 2024 per the FCC. Ask your ISP about low‑income plans. (fcc.gov)
- What proof do I need for LIHEAP: IDs, SSNs, last 30 days’ income for all, current bills, and disconnect notice for Crisis—see CHFS LIHEAP doc list and CAC crisis docs. (chfs.ky.gov)
- How do I get long‑term bill reductions: apply for KHC Weatherization, ask your utility about WeCare or co‑op home checkups, and watch energyrebates.ky.gov for 2025 IRA rebates. (energyrebates.ky.gov)
- Where can I get legal help if a landlord threatens me over high utility use: contact Legal Aid of the Bluegrass, Legal Aid Society, or AppalReD; use PSC for utility disputes per 807 KAR 5:006. (lablaw.org)
- Is there homeowner utility debt relief: the Team Kentucky Homeowner Assistance Fund has, at times, paid past‑due utilities for eligible homeowners—check current status at Team KY HAF portal and Kentucky Justice Online update noting operations into 2025 while funds last. (kyjustice.org)
Birmingham Water Bill Help — Kentucky Context
Clarification: Alabama examples often appear online; in Kentucky, use your local water provider’s hardship programs instead (e.g., Drops of Kindness, KAW H2O, NKWD customer service). Ask for long‑term payment plans and any discount programs. (louisvillewater.com)
Quick Help for Special Situations
Medical equipment at home (oxygen, ventilator, refrigerated meds): same‑day medical certificate under 807 KAR 5:006; ask for a 30‑day hold and a payment plan; combine with LIHEAP Crisis and a ministry pledge via ACM in Louisville. (law.cornell.edu)
Storm outage recovery: co‑ops post outage and assistance updates (e.g., Pennyrile Electric updates). Check 211 for emergency supplies and cold‑weather shelters. (whvoradio.com)
Appealing a utility issue to PSC: call 1‑800‑772‑4636, file online, and keep paying undisputed amounts so your account stays current during the dispute per 807 KAR 5:006. (psc.ky.gov)
Spanish Summary — Resumen en Español
Nota: esta traducción fue producida con herramientas de IA. Verifique detalles locales por teléfono.
Puntos clave: pida un plan de pago a su compañía de luz/gas (LG&E/KU, Duke, Kentucky Power); haga una cita para LIHEAP (Crisis para evitar corte); use certificados médicos y reglas de invierno en 807 KAR 5:006; para agua/sewer use Drops of Kindness/MSD o H2O de Kentucky American Water; para teléfono/internet aplique a Lifeline (ACP terminó). Llame 211 para iglesias y agencias locales. (law.cornell.edu)
About This Guide
Compiled by the ASingleMother.org Editorial Team.
This guide uses official sources including:
- Kentucky Public Service Commission (PSC) — consumer hotline, complaint portal, and 807 KAR 5:006 shutoff rules. (psc.ky.gov)
- LIHEAP Clearinghouse — Kentucky Profile — income limits, benefit ranges, and seasonal notes. (liheapch.acf.hhs.gov)
- Community Action Kentucky network and local CAAs like Community Action Council and NKCAC — county appointments and program windows. (nkcac.org)
- Utility resources: LG&E/KU assistance + WeCare, Duke Payment Plus, Kentucky Power HEART/THAW. (lge-ku.com)
- Water/sewer programs: Drops of Kindness, MSD EWRAP, KAW H2O. (louisvillewater.com)
- Weatherization and rebates: KHC Weatherization and the state’s Home Energy Rebates portal. (energyrebates.ky.gov)
Last verified September 2025, next review April January 2026.
This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.
Disclaimer
Important: funding, dates, and rules change often. Always confirm current availability with your local agency or utility before applying or making purchases. For regulated utility disputes, use the PSC hotline; for emergency referrals, call 211. This guide is informational and not legal advice; contact Legal Aid if you need legal help. (psc.ky.gov)
Tips for scanning and printing: screenshot the Quick Help Box, the Application Checklist, and the Cheat Sheet. Keep your pledge numbers and the PSC hotline on the fridge.
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