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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.

COVID-19 Assistance and Resources

We know you're counting on your power during this crisis. We're here for you to provide safe and reliable energy, and to help you manage your account.

If you're in need of support, below are company, state and local resources available to you.

The State of Emergency has been lifted in NYS, Orange & Rockland Utilities, Inc., and we will be resuming normal collection activities. Please keep this in mind as there are time limits for these programs.


Assistance for Orange & Rockland Customers

  • If you're having trouble with payments, we're offering flexible payment agreement terms. Sign up online through My Account and click “Payment Agreement” to see our offer and enroll, or call us at 1-877-434-4100. 
  • We're waiving any late payment fees at this time.
  • We're suspending no-access fees if we can't read your meter.


Government Assistance for Residential Customers


CARES Act Assistance for Workers - Economic Impact Payments
U.S. Department of Treasury

New York

NYS Emergency Rental Assistance Program (ERAP)

Offers residential tenants assistance with payment of their rent and utility bills. 
Please visit or call 1-844-NY1-RENT (1-844-691-7368).

Pandemic Unemployment Insurance Assistance
NYS Department of Labor

COVID-19 Community Resource Guide
United Way of Rockland County

New York State Parker Richardson Law
NYS Senate

Under this law, if you contact us and affirm that you experienced a change in financial circumstances as a result of COVID-19 starting on or after March 7, 2020, you will be entitled to the following protections:

  • We will not disconnect your service for non-payment before December 31, 2021.
  • You will be eligible for a payment agreement or to request a new agreement that requires no down payment, late fees or penalties.

We encourage all residential customers to contact us at 1-877-434-4100 to make payment arrangements so that when these protections expire, you will be able to manage your balance. 

Home Energy Assistance Program (HEAP)

If your income falls within a certain range, you may be eligible for HEAP to help pay your home heating costs. 

HEAP and Emergency HEAP has been extended, and there are 3 Emergency HEAP Benefits you can receive. To apply for HEAP, you must call your County HEAP numbers below:

  • Orange County HEAP, 845-291-2002
  • Rockland County HEAP, 845-364-3480; 845-364-3485
  • Sullivan County HEAP, 845-807-0142 

Find out more qualification information on HEAP New York. 

New Jersey

Benefits available to individuals during the coronavirus outbreak
State of New Jersey COVID-19 Information Hub


Government Assistance for Businesses

CARES Act - Preserving Jobs for American Industry
U.S. Department of Treasury

Small Business


Assistance for Small Business
U.S. Department of Treasury

SBA Disaster Assistance in Response to Coronavirus
US Small Business Association

United States Small Business Administration Paycheck Protection Program

The CARES Act included $350 billion in funding for the creation of a Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. Small business owners in all U.S. States, Washington D.C., and territories are currently eligible to apply for this loan.

Get more information on how to complete the application.

United States Small Business Administration Economic Injury Disaster Loans & Emergency Economic Injury Grants

These grants provide an emergency advance of up to $10,000 to small businesses and private non-profits harmed by COVID-19 within three days of applying for an SBA Economic Injury Disaster Loan (EIDL). To access the advance, you first apply for an EIDL and then request the advance. The advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments.

Get more information on how to complete the application.

For those requiring additional assistance with completing the application, they may visit for online assistance.

Request a no-cost, confidential appointment with a local SBDC Advisor.

New York

Financial Support for Your Business

Under a new law, you may be eligible to avoid disconnection of your service for non-payment until December 31, 2021. 

Learn more

State of New York Pandemic Small Business Recovery Grant Program

The grants must be used for COVID-19 related losses or expenses incurred between March 1, 2020 and April 1, 2021.  These include:

  • Payroll costs
  • Commercial rent or mortgage payments for NYS-based property (but not any rent or mortgage prepayments)
  • Payment of local property or school taxes associated with a small business location in NYS
  • Insurance costs
  • Utility costs
  • Costs of personal protection equipment (PPE) necessary to protect worker and consumer health and safety
  • Heating, ventilation, and air conditioning (HVAC) costs
  • Other machinery or equipment costs
  • Supplies and materials necessary for compliance with COVID-19 health and safety protocols
  • Other documented COVID-19 costs as approved by Empire State Development

 For more information please access the links below:

State of New York Pandemic Small Business Recovery Grant Program

Governor Cuomo Announces Applications Now Open for $800 Million COVID-19 Pandemic Small Business Recovery Grant Program

Rockland County

Businesses can also view a webinar hosted by the Rockland County Department of Economic Development & Tourism, Rockland Community College's SBDC (Small Business Development Center) and the Rockland Business Association on SBA Economic Injury Disaster Loans. View webinar.

Empire State Development's COVID-19 Business Resources

Empire State Development (ESD) provides up-to-date information related to the Coronavirus (COVID-19) outbreak. For the latest information and updates, visit the following helpful links:

Orange County

Local Banks Participating in the SBA/PPP

Below is a current summary of banks with a presence in Orange County who are participating in the Small Business Administration (SBA)/Paycheck Protection Program (PPP):
  • Bank of America
    Currently BoA is requiring that you have a Small Business lending and Small Business checking relationship with Bank of America as of February 15, 2020 or a Small Business checking account opened no later than February 15, 2020 and you do not have a business credit or borrowing relationship with another bank.
  • Chase Bank
    Currently Chase is only accepting applications from businesses with a Chase checking account since at least February 15, 2020.
  • Citizens Bank
    Currently only accepting applications from Citizens Bank business customers.
  • Hudson Valley Federal Credit Union
  • Key Bank
  • Lakeland Bank
    Currently Lakeland is only working with applicants with business deposit accounts or loans with Lakeland Bank as of February 15, 2020.
  • M&T Bank
    Currently working with existing M&T business customers only.
  • Mid-Hudson Valley Federal Credit Union
    Currently working with existing MHVFCU business customers only.
  • Orange Bank & Trust
    OB&T will launch their PPP program for existing commercial customers on April 7, 2020 at 4 p.m..
  • Peoples United
  • Rhinebeck Bank
    Currently working with existing Rhinebeck Bank business checking customers only.
  • Sterling National Bank
    Currently working with existing SNB business customers only.
  • TD Bank
    Currently working with existing TD business customers only.
  • Walden Savings Bank
    Currently working with existing WSB business customers only.
  • Wallkill Valley Federal Savings and Loan
    Currently WVFSL is only accepting applications from their existing business depositors or business borrowers.
  • Wells Fargo
    As of April 7, 2020, due to exceptionally high volume, Wells is not accepting additional applications at this time.
  • SBA website where you can search for all participating PPP lenders by zip code

New Jersey

Small Business Emergency Assistance Guarantee Program
State of New Jersey

Economic Assistance for Businesses

State Financial Assistance Programs for Businesses

COVID-19 Emergency Assistance
State of New Jersey

COVID-19 Resources for Your Business
Choose New Jersey

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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.

Payment Agreements

If you've been financially impacted by COVID-19 or are having trouble paying your bill during this time, we're now offering flexible payment agreement terms.

Learn More

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

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  

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

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 Support 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.

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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 Program (HEAP)

Apply for HEAP 2021-2022 season from October 1, 2021 through March 15, 2022. 

If your income falls within a certain range, you may receive one regular HEAP benefit per program year to help you pay for heating your home.

Find out more qualification information on HEAP New York. Visit to apply today.

Emergency HEAP Benefit

If you're eligible, the Emergency HEAP benefit can help you heat your home in a heat or heat-related emergency.

For more information, please contact your HEAP Local District Contact.

Orange & Rockland Low Income Credit Program

How to Receive a Low Income Credit

Customers will be enrolled automatically upon receiving a Home Energy Assistance Program (HEAP) Grant or Departments of Social Services Benefit (DSS) Grant.

If you are an O&R customer who heats your home with other fuels and have received your HEAP grant, but have not been automatically enrolled for the Low Income Credit program, please contact Customer Assistance toll-free at 1-877-434-4100 to provide the award letter to be enrolled

  Electric Heating Electric Non-Heating Gas Heating Gas Non-Heating

Tier 1
Regular HEAP Grant  < $374 or Emergency HEAP without prior Regular HEAP Benefit

$48.06 $48.06 $14.84 $3

Tier 2
Regular HEAP Grant > $374 and < $400

$57.16  $57.16  $36.64 $3 

Tier 3
Regular HEAP Grant > $400

$76  $76 $53.32 $3

Tier 4
DSS Recipient

$64.89 $64.89 $44.38 $3

Tier 5
Heat with All Other Fuels

 $48.06 $48.06 $14.84 $3


Qualifying customers will also be signed up automatically for our Budget Billing program. If you’re behind in paying your bills, you'll be enrolled once your balance is paid. If you’d like to opt out of our Budget Billing program but stay enrolled in our payment assistance program, please contact us.

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.

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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.

Effective September 21, 2021, pursuant to an Order of the New Jersey Board of Public Utilities, your Bill of Rights has been revised.

View Bill of Rights

LIHEAP Emergency Fund

Recipients of the federal Low-Income Home Energy Program may be eligible to receive an additional grant of up to $600 in LIHEAP Emergency funding. To be eligible, you must be a LIHEAP recipient and have received a shut off notice.

You can call the Home Energy Assistance Hotline at 1-800-510-3102.

Home Energy Assistance (HEA & LIHEAP)

Customers with a household income at or below specific income limits can apply. Utility heating customers typically receive an average of $300 toward their electric or gas bill.

Find out if you qualify in New Jersey. You can also call 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 may apply online at Or, you may download an application and email it to You can also call the toll free hotline at 1-866-240-1347.

Fresh Start Program

If you are enrolled into the Universal Service Fund (USF) Program and have an arrears greater than $60 at the time you applied, you will be automatically enrolled into the Fresh Start Program. This is a utility debt forgiveness plan that helps improve your payment record in twelve months. You will receive a credit for 1/12th of your overdue balance every month when your current charges are paid in full and on time. If you pay the current charges on your monthly utility bill, in full, for one year, we will eliminate your prior overdue balance.

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.

Customers can receive up to $700 for electric and up to $700 for gas, depending on the balance owed on their utility bills. Contact 1-866-NJShares or

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.

USF/ HEA recipients now may apply.

You may qualify:

  • If you rent or own a home.
  • Have a minimum $100 account balance and received a disconnect notice for gas and/or electric service that is 45 days overdue or already has had service disconnected.
  • You must have a history of making regular payments towards your utility bills.

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

How to apply:

You can apply online, in person, via email and fax. Simply follow the directions on PAGE application website or PAGE en Español – NJPowerOn.

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

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