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Payment Plans and Assistance

We have a variety of programs designed to help you pay your bill and balance your energy costs.

Billing and Payment Plans

These plans were designed to give you some flexibility and make it a bit easier for you to pay your Orange & Rockland or Rockland Electric bill. See if you qualify for any of these programs.

Budget Billing

Spread your payments evenly across the year with our average-use billing plan. This lets you budget easily and avoid seasonal spikes in energy costs.

How it works: If you've been a customer for at least a year, we'll use your previous 12-month usage history, plus anticipated energy costs and other factors, to estimate your energy usage for the year ahead. If you don’t have a 12-month usage history, we’ll use the 12-month billing information for the premise, if it’s available, or we’ll estimate your future consumption.

We'll then divide the total by 12 to arrive at your monthly Budget Billing payment amount.

Periodic reviews: To prevent large over or underpayments, we'll periodically review your Budget Billing account. As a result, we could adjust your monthly payment up or down, or keep it the same, depending on the amount you've paid and the cost of your actual usage.

Year-end settlement: On the 12th month, we'll compare the cost of your actual usage to the total amount paid. If there's an overpayment, the amount will be credited to your account.

If there's an underpayment of at least $50, you can repay in 6 monthly installments, added to your monthly payment at the beginning of the new Budget Billing year. If you want to repay the entire amount at once, please call our Customer Assistance line toll-free at 1-877-434-4100. Interest is not applied to any over-or underpayment. Budget Billing is never interrupted even if you switch ESCOs or return to O&R for supply.

Your actual energy use will still be tracked and reflected in your monthly bill.

Sign Up. Or, call Customer Assistance toll-free at 1-877-434-4100, weekdays, 8 a.m. until 7 p.m.

Bill Extender

Are you having difficulty paying your bill on time because your monthly Social Security or other check arrives after your payment due date? If you're at least 60 years of age or on a fixed income, you may qualify for a bill extender and receive special protection from late payment charges.

A bill extender allows you to extend the due date on your energy bill up to 45 days after the billing date.

Contact Customer Assistance to Enroll  

Payment Extensions

If you need extra time to pay your bill, log in to your account and request an extension of up to 10 days.

Contact Customer Assistance

Get Well First

Get Well First allows you to extend the due date on your utility bill payment during a hospital stay. That way, you can put first things first — and concentrate on restoring your good health. To be eligible, you must be hospitalized for a minimum of 10 days.

Contact Customer Assistance

Payment Agreements

If you have received a final termination notice because you can’t pay your bill, you will receive a standard payment agreement offer at least 10 days before your service is turned off. Log on and click "Payment Agreement" to see our offer and to enroll.

Log In to Enroll

Special Services

If you are 62 years or older, or have vision, hearing, or speech impairment or another disability, you could qualify for special protection.

We’re also able to help customers on electrically operated medical devices plan for an interruption in electric service through our Life-Saving Equipment program.

Contact Customer Assistance

Or, call us toll-free at 1-877-434-4100, weekdays, from 8 a.m. to 7 p.m. Telecommunications Relay Service is available for the hearing impaired by calling 711.

Read our Accessibility Policy to learn more about our commitment to inclusivity and offering a best-in-class digital experience for everyone.

Assistance in New York

If you're a resident of New York and are having trouble paying your Orange & Rockland bill, you might be able to get some assistance through a program administered by the state. See if you qualify for any of these programs.

Home Energy Assistance

If your income falls within a certain range, the Home Energy Assistance Program (HEAP) can help you pay your energy bill. 

Find out if you qualify in New York.

The Neighbor Fund

In New York, The Neighbor Fund provides emergency home-heating grants to customers of Orange & Rockland no matter what type of fuel is used.

You don't have to repay the grant money, and you don’t have to meet any age limits or income guidelines.

Contact the Salvation Army offices in Spring Valley (845-352-9577), Middletown (845-343-0821), or Port Jervis (845-856-3214).

Orange County Fuel Fund

The Orange County Fuel Fund assists households that are struggling to pay their heating bills, but do not qualify for the Home Energy Assistance Program.

This fuel fund, available to households in Orange County, may help cover a portion of the cost for fuel oil, natural gas, propane, kerosene, wood, pellets, or electricity. Individuals whose household income qualifies them for assistance from the Orange County Fuel Fund may be eligible for a one-time award of up to $585, which will be paid directly to the fuel provider.

To find out if you are eligible for assistance from the Orange County Fuel Fund, visit the Orange County United Way's Web site or call 845-457-4774, ext. 3112.

Solar for All

You may be eligible for community solar at no cost to you. If you participate, you’ll receive monthly credits on your electricity bills, saving you money to spend on the things you really need.

There are no fees, monthly sign-up, equipment installation or maintenance, and you’ll continue to get electricity from us. You can even cancel your participation at any time without any penalty. Best of all, you’ll be promoting a cleaner environment for your family and community by reducing greenhouse gas emissions.

Find out if you’re eligible to apply. Learn more about Solar for All by visiting NYSERDA’s website.

Assistance in New Jersey

If you're a resident of New Jersey and are having trouble paying your Rockland Electric bill, you might be able to get some assistance through a program administered by the state. See if you qualify for any of these programs.

Home Energy Assistance

If your income falls within a certain range, the Home Energy Assistance Program (HEAP) can help you pay your energy bill.

Find out if you qualify in New Jersey. You can also call the Home Energy Assistance Hotline at 1-800-510-3102.

Universal Service Fund (USF)

If your income falls within a certain range, the Universal Service Fund (USF) can help make your energy bill more affordable to help pay for natural gas and electricity.

Find out if you qualify in New Jersey. If you apply for LIHEAP you are also applying for USF. You can also call the toll free hotline at 1-866-240-1347.

New Jersey Lifeline Credit

If you’re over 65, disabled, or receiving medical or pharmaceutical assistance, you may be eligible to receive an annual credit of up to $225 through New Jersey's Lifeline Credit Program.

See If You Qualify 


If you're a Rockland Electric customer unable to pay your home-heating bills because of emergency conditions, the New Jersey Statewide Heating Assistance and Referral for Energy Services (NJ SHARES) can offer you financial assistance.

Get a Full List of Resources

Payment Assistance for Gas and Electric (PAGE) Program

This program helps low to moderate income households in New Jersey that are experiencing economic hardship and struggling to pay their energy bills.

To qualify:

  • You must be a NJ homeowner or renter;
  • You haven't received USF in the past six months or HEA within the last heating season;
  • You're facing a crisis situation that includes a documented notice of overdue payment for gas and/or electric service; and
  • You have a past history of making regular payments toward your utility bills.

For more information, visit the Payment Assistance for Gas & Electric (PAGE) program Web site.

The PAGE program is funded by the New Jersey Board of Public Utilities (NJBPU) and administered by the Affordable Housing Alliance