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Content: CARES program can help you find ways to pay your utility bill. As an example, special needs are the customers who are experiencing divorce, family emergencies, medical emergencies, or unemployment. Ask your utility company about this program. Elderly Pennsylvania residents, who are often at risk during the winter, can also apply for resources. the government, local towns, and volunteers may all help seniors during the winter. Both financial help and material items are offered. More on elderly winter assistance programs. Hardship Funds - Yet another option is hardship funds. These provide cash assistance to utility customers that will help them pay their utility, heating, and electric bills. Hardship funds in effect provide assistance grants to the customers who fall through the cracks of the other financial assistance programs.