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Payment Options

We recognize that financial hardships happen, and sometimes you need a little extra support paying your bill. The following options do things like give more time to pay, set up payment plans, and harness the power of our communities to help reduce your payment. Let’s work together to find the right option for you.

Payment Extensions & Arrangements

Just need a few days and can pay in full? A payment extension may be the right choice. Need to spread out payments over a few months? An extended payment arrangement helps you do just that.

Payment Assistance Programs

We understand sometimes you may need a little support paying your bill and we want to help. There are a variety of flexible payment options, plus Indiana and Michigan state specific programs that can help lower your monthly bill.

We also offer programs where you can help others in the community through donations and notifications.

Local and Federal Assistance Agencies

I&M also works with many organizations that can help you find local and federal assistance. Contact your local agency, visit 211.org or call 211 for more information about utility, housing, healthcare and many other types of assistance.

If you need help locating your local agency, select your state below.

Helping Others in Our Communities

Surprise Someone You Love by Sending LUV Gift your family, friends and other loved ones with a Lighting Utility Voucher earmarked especially for them. You decide the amount to give, and your loved one's account will be credited immediately upon receipt of the LUV. Download and mail the LUV form to brighten someone's day.
Help Someone Facing Disconnection You can help a relative or friend keep their power on by receiving notifications when their account is at risk of being disconnected. Often, people add this free service to accounts of vulnerable customers. You are not responsible for paying the bill.
  1. Print a Third-Party Authorization Form
  2. Have the primary account holder complete, sign and mail the form authorizing you to receive notifications on their behalf
  3. As an authorized third-party, you will receive notifications if their account is at risk of of being disconnected.
Donate to Customers in Need - Indiana The Neighbor to Neighbor program helps Indiana customers maintain electric service by taking donations and applying a utility asststance grant directly to their bill. Together, we can make a big impact.

Indiana Programs

Neighbor to Neighbor Bill Pay Assistance - Indiana Indiana Michigan Power partners with Dollar Energy Fund to help Indiana families pay their energy bills. Grants help prevent disconnection or restores service. Winter heating assistance is available Nov. 1 - May 15. Summer cooling assistance is available July 1 - Aug. 31.
Low-Income Home Energy Assistance Program (LIHEAP) LIHEAP provides federally funded assistance to help families manage energy costs.
Emergency Rental Assistance Program (IERA) - Indiana IERA is designed to increase housing stability for Indiana renters whose income has been negatively impacted by COVID-19. Qualifying Indiana renters can receive assistance with rent and utility costs up to 12 months. If you are a homeowner in need of assistance the Homeowner Assistance Fund (IHAF) may be able to help.
Homeowner Assistance Fund (IHAF) – Indiana IHAF is designed to help Indiana homeowners with their a mortgage payment if they are experiencing hardship due to COVID-19 If you are a renter in need of assistance the Emergency Rental Assistance (IERA) program may be able to help.

Michigan Programs

Senior Citizen Discount - Michigan The Senior Citizen Discount is designed for Michigan customers, age 65 or older that use less than 900 kWh of energy a month.
Low-Income Home Energy Assistance Program (LIHEAP) LIHEAP provides federally funded assistance to help families manage energy costs.
Low-Income Service Charge Waiver - Michigan Income Qualified customers can have the $7.25 monthly residential service charge waived, saving $87 a year.

Rules/Requirements:

  • Must be a Michigan residential customer.
  • Household income cannot exceed 150% of the Federal Poverty Level.
  • You must have received any of the following assistance within the last six months:
    • State Emergency Relief Program
    • Food Stamps or SNAP
    • Medicaid
  • Must re-qualify annually. Mail forms to

    Indiana Michigan Power
    Attn: LICUS
    2929 Lathrop St.
    South Bend, IN 46628

Energy Assistance Program (MEAP) - Michigan MEAP helps Michigan income-qualified customers pay their energy bill through a 24-month payment plan. To qualify, customers must be at or below 150% of the federal poverty level and have received State Emergency Relief assistance. To apply, contact a MEAP community partner.
Emergency Rental Assistance Program (CERA) - Michigan CERA helps retain housing stability for eligible renters in Michigan who have experienced financial hardship due to COVID-19. If you are a homeowner in need of assistance the Homeowner Assistance Fund (IHAF) may be able to help.
Homeowner Assistance Fund (MIHAF) – Michigan MIHAF is designed to help Michigan homeowners with their a mortgage payment if they are experiencing hardship due to COVID-19 If you are a renter in need of assistance the Emergency Rental Assistance (CERA) program may be able to help.

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