Having trouble keeping the lights on? You have plenty of company.
Disconnection rates for all types of utilities have soared as an increasing number of consumers struggle with unemployment and a moribund economy.
But almost all the nation's utility companies -- that's gas, electric and phones -- sponsor programs for low-income consumers that could cut rates by 20 percent or more. They also provide so-called "crisis grants" to cover at least a portion of past-due bills.
You don't have to be destitute either. A temporary job loss can qualify you for some relief.
"Shut-offs are a problem that can be easily prevented," said Mindy Spatt, communications director of The Utility Reform Network (TURN), a San Francisco advocacy group. "There are programs for low-income consumers that are funded by all ratepayers. You have to ask about them."
Sadly, many consumers appear to be unaware that they can get help. A recent report by the California Division of Ratepayer Advocates estimated that some 5.1 million Californians qualify for low-income assistance programs, but just 4.3 million have applied.
Southern California Edison recently surveyed its customers and estimated that some 200,000 qualifying customers have failed to apply for assistance.
Ryan Lippe, communications director for the Office of the Ohio Consumer Counsel, says the problem affects people nationwide.
"In today's tough economic times, we are talking about a whole new category of consumers who may never have thought they'd be in the precarious position of losing vital heat and electric systems," Lippe said.
"It's paramount that consumers understand the helping hands that are available," he said.
The challenge is finding those lifelines. Although many programs are funded nationally, the bulk are administered locally, so a little more sleuthing is required.
If you need help paying your phone bill, there is a national directory at Lifeline Across America that can tell you what programs are available and how to contact them.
Generally speaking, these programs fall into two categories: discounts on monthly phone charges for your primary line (even if that line is a cell phone), and a subsidy to get connected to service for those who don't have a phone.
When it comes to electric and gas programs, 40 states (including California) have state-sponsored consumer advocates for utility customers. These state offices can be the first stop for those needing help with all types of utility bills.
A directory of the advocate offices is available through the National Assn. of State Utility Consumer Advocates.