Energy Assistance Program (EAP)
The Energy Assistance Program (EAP) helps households pay for heat and electric bills. Funded through the U.S. Department of Health and Human Services’ Low-Income Home Energy Assistance Program (LIHEAP), EAP provides a one-time annual benefit to help with high energy costs. This benefit can also provide support if you are disconnected or facing disconnection. Please note: the benefit will not cover all annual heating and electricity costs, so you should continue paying your bills regularly.
Apply Online
The Energy Assistance Program starts October 1, 2026. Please click below to apply.
Application Dates for the 2026–2027 Season
- Start of program October 1, 2026 at 7AM CST
-
End of program April 30, 2027 (while funding is available)
Required documents include:
- Current utility bill
- Proof of income for the past 90 days for all household members
- Lease or Tenant Verification Statement (if utilities are included in rent)
- Please make note of your username and password to check the status of your application.
Important Payment Information
EAP Benefits do not cover your entire utility bill.
To avoid disconnection:
- Continue making payments if you are able.
- Contact your utility provider to set up a payment arrangement.
- Stay in communication with your utility company while your application is being processed.
Need Help After you applied for the Program?
If you need additional assistance during this time, please reach out to 211 at http://in211.communityos.org for local community resources that may be able to help.
FAQ
Applications are accepted October 1, 2026 – April 30, 2027.
Payment of Direct Pay (one or more utilities included in rent) should be received within 120 days of the approval date.
Up to 55 days once all required documents are received.
No, EAP provides a benefit toward your bill but does not cover the full amount.
Am I Eligible?
Indiana households that make 60% of the state median income (60 SMI) or less may qualify for these benefits. See below for a detailed breakdown of income qualifications. See below for a detailed breakdown of income qualifications.
How do I Apply?
1.Apply immediately online by clicking below.
2. Print the CoAction EAP application and drop off or mail to an EAP intake site near you. Find your nearest intake site below.
3. Visit the Additional Forms section at the bottom of this page to find any required documents you may need.
EAP 2026-2027 Income Limits
| Household size | Monthly Income limit |
| 1 | $2,886 |
| 2 | $3,774 |
| 3 | $4,662 |
| 4 | $5,550 |
| 5 | $6,438 |
| 6 | $7,326 |
| 7 | $7,493 |
| 8 | $7,659 |
How Can I Check the Status of My Application?
If you applied online, you can check the status of your application by visiting http://eap.ihcda.in.gov. You can click below to learn what your status means.
Your application has been processed and approved for payment. Payment to your utility company should occur within two billing cycles of the approval date.
Payment of Direct Pay (one or more utilities included in rent) should be received within 120 days of the approval date.
Unfortunately, your application has been denied. A notification will be forwarded to you via state-wide database online application portal, explaining the reason for the denial. The status in the portal will be changed to “Denied.” Rights to appeal and how to appeal are detailed in the notification to you.
Your application has been received by the Energy Assistance Program. It will be assigned for review and processing. Review and processing should be complete within 55 days of acceptance if all documents are submitted correctly.
Dates To Be Aware Of:
| October 1, 2026 |
Online applications begin at 8:00 AM Eastern Time. In-person appointments begin. You do not need an appointment to apply. |
| December 1, 2026 |
Indiana winter disconnection moratorium protection begins. Eligible EAP clients cannot be disconnected from electricity and heating services. *If you apply before this date, you are NOT protected from being |
| March 15, 2027 | End of Energy Indiana winter disconnection moratorium protection. |
| April 30, 2027 @ 5:00pm EST |
Last day to apply for EAP assistance for 2026-2027 funding cycle. *Subject to availability of grant funding. |
How Long Will it Take to Receive My Assistance?
It may take 55 days to determine if you are eligible, and after your benefit has been awarded, it may take an additional 30 days for the utility company to process your benefit. Please continue to pay your utility bills while waiting for your energy assistance to appear on your account.
If you are receiving a direct pay benefit, it may take up to 120 days from the date of your benefit approval for your payment to be processed and mailed to you. Please allow 120 days from the approval date before you call to check the benefit status.
My Application Got Denied. How Do I Appeal The Decision?
If you have been determined ineligible for energy assistance, you have the right to appeal. You should have received an application denial form with your eligibility determination. Follow the steps below to appeal.
| Step One |
Send your appeal in writing to CoAction EAP Manager with in 30 days of denial. EAP Manager reviews the appeal and makes a decision. |
| Step two |
If you are not satisfied with the EAP Manager decision, you may request a formal review by the state. This request must be submitted in writing with in 30 days after you receive the EAP Manger decision. IHCDA’s Community Program Manager will review the materials submitted and issues a written finding within 14 calendar days. |
| Step Three | If you are not satisfied with the decision IHCDA Program Manager you may appeal to IHCDA’s Director of Community Programs. This appeal must be submitted with in 30 days, and it must include the stated reasons for your objection to the decision. You objection must be based solely upon evidence supporting one (1) of the following circumstances:
– Clear and substantial error or misstated facts which were relied on in making the decision being challenged; – Unfair competition or conflict of interest in the decision-making process; – An illegal, unethical or improper act; – Any other legal basis that may substantially alter the decision.
You will receive written acknowledgment of the request within 7 calendar days of receipt, noting the day the request was received. The Director of Community Programs has 30 calendar days from IHCDA’s receipt of the written request to review the file and make a determination. The decision of the Director of Community Programs is final. |
Energy Savings & Efficiency: Small Changes, Big Impact
At CoAction, we understand how high energy costs can stretch a tight budget especially during extreme weather months. While we’re here to help with utility assistance, we also want to empower you with everyday ways to reduce your energy use, lower your bills, and make your home more efficient all year long.
Why Energy Efficiency Matters
The average U.S. household spends over $2,000 a year on energy bills, but studies show that up to 30% of that energy is wasted—often without people even realizing it. Whether it’s heating and cooling inefficiencies, leaving devices plugged in, or using outdated appliances, small sources of waste can add up fast.
The good news? With just a few simple habits and low-cost adjustments, you can make a real difference.
Easy, Everyday Energy Tips
Here are some practical steps you can take to make your home more energy efficient—no major upgrades required:
Unplug What You’re Not Using:
Appliances like coffee makers, gaming systems, and even phone chargers draw electricity when plugged in—even if they’re off. These “phantom loads” can cost $50–$100 a year. Try using a smart power strip for convenience.
Use Natural Light:
Let sunlight work for you. Open curtains and blinds during the day instead of flipping on lights. It reduces electricity use and brightens your space naturally.
Switch to LED Bulbs:
LED bulbs use up to 90% less energy than traditional incandescent bulbs and last much longer. Replacing even a few can make an immediate impact.
Seal Leaks and Drafts:
Drafty doors and windows make your heating or cooling system work harder. Use weather stripping or rolled towels at the base of doors to keep your home’s temperature consistent. This can cut heating and cooling costs by up to 20%.
Adjust Your Thermostat:
Lowering your thermostat by 7–10°F for just 8 hours a day (like when you’re sleeping or away) can reduce your energy bill by up to 10% annually.
Long-Term Savings
Making energy efficiency part of your daily routine not only saves you money—it reduces strain on the power grid and helps protect the environment. If you’re considering upgrades like energy-efficient appliances, insulation, or programmable thermostats, there may be rebate programs available in your area.
