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Payment Options

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

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.

Indiana Programs

Neighbor to Neighbor Bill Pay Assistance - Indiana Indiana Michigan Power partners with Dollar Energy Fund to help Indiana 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.
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.

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. The senior discount 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, this may not be the most affordable option for you. See Chart.

  • Must be a Michigan residential customer age 65 years or older.
  • Discount applies to primary address only.
  • Must remain in the program for at least 12 months.
  • Late fees can still be assessed.
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.


  • 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

Emergency Rental Assistance Program (CERA) - Michigan 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.

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 our disconnection process. This free service is available for any customer. You will not be responsible for paying the bill.

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
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.

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