Senior Health Insurance Program (SHIP)
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Utilities and phone
Illinois's LIHEAP pays a one-time amount toward your heating bill, and Reconnection Assistance of up to $2,000 a year if your service is cut off or about to be.
People 60 and older can apply starting Oct. 1, 2026, a month before most others. You can apply online through Help Illinois Families or at the local agency for your county.
Applying is free. Nobody should charge you to apply.
Apply on the official site| Income limit, one person, if your utility is Ameren Illinois, ComEd, Nicor Gas, North Shore Gas or Peoples Gas (program year 2027) | $3,990 in the 30 days before you apply, or $47,880 a year, for one person (300% of the federal poverty level) |
|---|---|
| Income limit, two people, same utilities (program year 2027) | $5,410 in the 30 days before you apply, or $64,920 a year, for two people |
| If your utility or fuel dealer is not one of those companies | Income at or below 60% of state median income (the state doesn't post the dollar amounts) |
| What to bring | Proof of the last 30 days of income for everyone in the home, a heating or electric bill from the last 30 days, Social Security cards (or ITINs) if you have them, your lease if heat is included in rent, and proof of SNAP, TANF or similar benefits if you get them |
Source: Illinois Department of Commerce and Economic Opportunity (source 2)
| One-time heating payment (FY 2027 state plan estimate) | $58 to $2,564, paid to your utility, based on income, household size and energy costs |
|---|---|
| Crisis help (FY 2027 state plan) | Reconnection Assistance of up to $2,000 per household a year if you are disconnected, have a disconnection date within 7 days, or your fuel dealer won't deliver and your tank is at 25% or less. Furnace Assistance helps homeowners who got LIHEAP and have no working furnace, until May 28, 2027 or until funds run out. |
Source: Illinois Department of Commerce and Economic Opportunity (source 4)
| Application period, program year 2027 | Oct. 1, 2026 to Aug. 13, 2027, or until funding runs out |
|---|---|
| Early sign-up for older adults | From Oct. 1, 2026: people 60 and older, people with a disability, homes with a child 5 or under, and homes that are disconnected, have a disconnection date within 7 days, or have less than 25% in the propane tank. Everyone else from Nov. 1, 2026. |
| Summer cooling help | No separate cooling program in 2027. Help with gas and electric bills continues until Aug. 15, 2027 or until funds run out. |
Source: Illinois Department of Commerce and Economic Opportunity (source 2)
Where Illinois's rules differ from the federal rules for LIHEAP heating and cooling help.
Source: Illinois Department of Commerce and Economic Opportunity (source 2)
Source: Illinois Department of Commerce and Economic Opportunity (source 2)
Free help
Free, unbiased Medicare counseling in Illinois. Trained counselors go through your costs and choices with you, and they don't sell plans.
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
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