State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Mississippi. Trained counselors go through your costs and choices with you, and they don't sell plans.
Utilities and phone
Mississippi's LIHEAP helps pay heating bills from October through April and cooling bills from May through September, and its Energy Crisis Intervention Program (ECIP) helps with energy emergencies all year.
You start with a short application online at Access MS, then finish it at an appointment with your local community action agency. Households with someone 60 or older get appointments sooner and can handle later requests by phone.
Applying is free. Nobody should charge you to apply.
Apply on the official site| Income limit (FY 2027 state plan; dollar amounts not posted on the state site) | At or below 60% of state median income for your household size |
|---|---|
| Who pays the bill | You must have an energy bill due to an energy company or landlord |
| What to bring | Photo ID for everyone over 18, Social Security numbers for everyone in the home, and proof of income, where you live and your utility bill. Your appointment notice lists exactly what to bring. |
| Heating or cooling benefit (FY 2027 state plan) | Up to $1,500, based on income, household size and heating fuel. A household can't get more than $1,500 in a program year. |
|---|---|
| Crisis help, ECIP (FY 2027 state plan) | Up to $1,500, all year, for households that had an energy crisis in the last 30 days. A life-threatening crisis must be resolved within 18 hours of an approved application. |
| Heating help (FY 2027) | Oct. 1, 2026 to April 30, 2027, while funds last |
|---|---|
| Cooling help (FY 2027) | May 1 to Sept. 30, 2027 |
| Crisis help (FY 2027) | Year-round |
| Older adults (FY 2027 state plan) | Homes with someone 60 or older are prioritized for appointments. They are seen in person once a year and can make later requests by phone, and agencies may send them December appointment notices to be seen in January, after new Social Security letters arrive. |
Where Mississippi's rules differ from the federal rules for LIHEAP heating and cooling help.
Free help
Free, unbiased Medicare counseling in Mississippi. 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.
Newsletter
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.