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Help With Heating and Cooling Bills: LIHEAP and Other Ways to Save

High energy bills hit hardest in winter and summer. Here is where to find help — and simple ways to use less.

By the Senior Dime editorial team · Updated October 2026

Dottie adjusting her thermostat at home

Dottie’s take: Cardigan first, thermostat second. That’s the Dottie rule.

Keeping your home comfortable is a matter of health and safety, not just comfort. If your energy bills are hard to manage, help is available.

LIHEAP: help paying energy bills

The Low Income Home Energy Assistance Program (LIHEAP) is a federal program run by each state. It can help pay heating and cooling bills, and in some cases help with emergencies like a shut-off notice. To find your local office, call the National Energy Assistance Referral line at 1-866-674-6327.

Weatherization help

The federal Weatherization Assistance Program helps eligible households make their homes more energy-efficient — things like insulation and sealing drafts — at no cost to you. It can lower your bills for years.

Ask your utility company

Simple ways to use less energy

Safety first: Never use an oven or outdoor grill to heat your home. Make sure your carbon monoxide detectors work.

Dottie’s 30-second benefits check

Answer 2 quick yes-or-no questions to see which benefits you may qualify for. Free, no forms. Tap your age:

Under 65? Tap here

This guide is for general information only. Program rules, dates and amounts can change and may vary by state. Please confirm details with the official program or a trusted advisor.