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Payment Arrangement

We recognize that financial hardships happen, especially during a pandemic, 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

Indiana Emergency Rental Assistance Program (IERA) IERA is designed to increase housing stability for renters whose income has been negatively impacted by COVID-19. Qualifying renters can receive assistance with rent and utility costs up to 12 months.
COVID Emergency Rental Assistance Program (CERA) CERA is a program administered through the Michigan State Housing Development Authority (MSHDA), to provide rental and utility assistance. CERA helps retain housing stability for eligible renters in Michigan who have experienced financial hardship either directly or indirectly to COVID-19.
Low-Income Home Energy Assistance Program (LIHEAP) LIHEAP provides federally funded assistance to help families manage energy costs. You’ll need to check your state’s program to see if you qualify.
Indiana Neighbor to Neighbor Bill Pay Assistance Indiana Michigan Power partners with Dollar Energy Fund to help families pay their electric bills. Grants apply directly to an account that prevents disconnection of or restores electric service. Winter Cooling Assistance is available from November 1st through May 15th. Summer Cooling Assistance is available from July 1st through August 31st. During these time periods, you may apply for assistance through local agencies. Find out what agency to contact in your area in order to apply.
Senior Citizen Discount Rate for Michigan Customers Save up to $30 a month* on your energy bill! The Senior Citizen Discount Rate is designed for Michigan customers, age 65 or older that use less than 900 kWh of energy a month. The senior rate gives you a 50% discount on your monthly service charge, plus a reduced rate on energy use under 900 kWh. If you use more than 900 kWh a month, the senior rate may not be the most affordable option for you. Contact us at 1.800.311.6424 to see if this is the best option for you!
Monthly Energy UseSenior Citizen Rate Monthly Bill (Taxes & fees not included)Standard Rate Monthly Bill (Taxes & fees not included)Monthly Difference
300 kWh$24$51$27
600 kWh$64$94$30
900 kWh$111$137$26
1000 kWh$152$152$0
1200 kWh$236$181$55 more owed

*Totals rounded

  1. Must be a Michigan residential customer age 65 years or older.
  2. Discounted rate applies to primary address only.
  3. Must remain on the rate for at least 12 months.
  4. Late fees can still be assessed.

* A 65-year-old customer using 600 kWh a month

Low-Income Customer Service Charge Waiver for Michigan Customers Get the $7.25 monthly residential service charge waived, saving $87 a year. Contact us at 1.800.311.6424 to sign up!


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

Helping Others in our Communities

Help Someone Facing Disconnection You can help a relative, friend keep their power on by getting notifications when they are at risk of being disconnected. Often, people add this service to accounts of vulnerable customers (those with mental impairments, illness, or advanced age) who have difficulty understanding Indiana Michigan Power's disconnection process, but this free service is available for any customer.

How Third-Party Notifications work:

  1. Print a Third-Party Authorization Form
  2. The account holder must complete, sign, and mail it to the address on the form, authorizing you to receive notifications on their behalf
  3. As an authorized third-party, you will receive copies of the billings if electric service is at risk of being disconnected due to non-payment

You will not be responsible for paying the bill.

Donate to Customers in Need The Neighbor to Neighbor program helps customers maintain electric service by taking donations and applying a utility assistance grant directly to their bill. Together, we can make a big impact.

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