DETROIT -- As cold weather moves in, state agencies are working to make sure Michiganders know how to apply for the Michigan Energy Assistance Program (MEAP) if they think they might struggle with their heating bills this winter.

MEAP helps low-income residents pay their energy bills on time, apply for affordable payment plans and utilize energy services to increase efficiency and keep bills down.

Shama Mounzer, integration executive director for the Wayne Metropolitan Community Action Agency, said many of the clients they serve make between 100% and 150% of the poverty level, which equates to a family of three making less than $24,000 a year.

"We see usually average bills in the wintertime of $400 to $500 a month," Mounzer noted. "And looking at the income of our households that we see, how can they afford really paying those high bills?"

Mounzer pointed out to access the MEAP program, residents can apply for state emergency relief through the state Department of Health and Human Services. She added it is important to contact your local Community Action agency if you have any questions about the process or what documents are needed.

Mounzer emphasized in addition to providing financial assistance to help folks pay their bills, agencies also help with weatherization, stressing it is particularly important in communities where homes are not recently updated.

"The usage is very high, and that is also very tied to the structure and the condition of the homes in Wayne County," Mounzer stated. "So a lot of our homes, they need to be weatherized, they don't have the appropriate insulation to really keep the energy and the heat inside the house."

Experts recommended making sure your heating system is upgraded and working as efficiently as possible to keep bills down. They also suggested checking filters and vents are clean; working to caulk, weatherstrip and seal drafty doors and windows; and to open blinds and curtains during the day to take advantage of the natural heat from sunlight.

May is Community Action Month, and Community Action Agencies in Massachusetts are raising awareness about the wraparound services they provide to low-income residents.

Community Action was started in 1964 by the Johnson administration to fight poverty, and agencies have been working ever since to help folks - both in crisis situations and with economic empowerment.

Sharon Scott-Chandler, executive vice president and chief operating officer at Action for Boston Community Development (ABCD), said many still are struggling to meet basic needs in the economic fallout from the pandemic.

"Community action is here, meeting as many of those needs as we can," she said. "Obviously, the demand is outsized to what the resources we have, but we continue to advocate for more funding and continue to really come up with flexible, innovative programs that can meet the evolving needs of folks."

Scott-Chandler noted that most funding for Community Action Agencies comes from the federal government; the U.S. House recently approved a 10-year reauthorization of the Community Services Block Grant, and it's now on to the U.S. Senate. The Massachusetts House also included $7.5 million in the state budget for Community Action Agencies. The state Senate's version does not, but the agencies hope it will be retained in conference committee.

In a crisis, Community Action Agencies provide services such as rent relief, fuel assistance, child care and food security.

"We are serving more people today than we ever have, and it's just, instead of getting better - I had hoped by the time I retired, that we wouldn't need food banks," said Emma Melo, who runs the food program at People Acting in Community Endeavors (PACE) in New Bedford. The PACE Food Bank serves more than 6,000 people every year.

"With COVID, with everything else, it just doesn't work," she said.

Jenniffer Gonzalez, assistant director at Springfield Partners for Community Action's Early Learning Center, also has been a client of the agency. She said agencies don't just help clients with one need - they work to assist them in gaining longer-term economic stability.

"They had helped me to pay my bill, like fuel assistance, helped me through the COVID times. And it's not just as a professional working here - but as personal, a mother," she said. "And I have a house because of Springfield Partners, so I think it's just amazing to have an agency that helps a community like that."

Massachusetts residents who think they may be eligible for some of these programs can look online at masscap.org to find their local agency and make an appointment.

From January 2020 to December 2021, utility companies shut off power to Hoosier homes more than 260,000 times.

According to a new report from BailoutWatch and the Center for Biological Diversity, Indiana had the third-highest amount of energy shut-offs in the nation during the two-year time period.

Christopher Kuveke, data analyst at BailoutWatch, noted Indiana's shut-off rate jumped from 2020 to 2021, as moratoriums on such practices expired.

"A big problem we saw with these moratoria nationally is they did help keep people connected throughout the duration," Kuveke acknowledged. "But there weren't necessarily adequate payment programs to help the people protect themselves from racked up debt and outstanding bills that were accumulated during the moratorium."

Indiana adopted a utility shut-off moratorium early in the pandemic, which ended in August 2020. A program compelling utilities to offer extended utility payment plans expired in October 2020, but some companies continued offering long-term repayment plans and other resources to help customers meet their utility costs.

Utility companies argued the report is incomplete and fails to take into account those initiatives.

The report included data from 33 states and the District of Columbia, as not all states had shut-off numbers available.

Kuveke pointed out the Federal Energy Regulatory Commission does not require companies to collect and disclose such data.

"The authors and myself believe FERC needs to come up with a policy to mandate a uniform reporting system for utilities in every state," Kuveke asserted.

Jean Su, energy justice program director and senior attorney at the Center for Biological Diversity, said communities of color are disproportionately impacted by cutoffs, as they carry a higher "energy burden," or how much of their income goes toward utility bills.

"Black families in particular have three to four times the energy burden of white families," Su outlined. "Latinx families also have that same ratio."

Su explained it is an issue with two root causes. She said Black and brown communities have generally lower incomes than white ones, but their neighborhoods also tend to be hotter because of long-standing racist housing practices.

"So we have areas where public housing has far less insulation and far less energy-efficient buildings, so that raises the need for greater heating and cooling," Su emphasized. "We also see that those communities have been built with far less tree cover."

The Kaiser Family Foundation reported from 2005 to 2015, emergency room visits for heat-related illnesses increased by 67% for Black residents and 63% for Hispanic residents, compared with a 27% increase for white people.

For Minnesota to make big gains in reducing poverty, its safety net needs to be more robust, according to a new report highlighting disparities residents around the state are experiencing while elevating themselves from hardship.

Minnesota's official poverty rate is 8.7 %, which is below the national average.

Angie Fertig, social policy research scientist at the University of Minnesota, said when you dig deeper, there are broad levels of unevenness. The state is known for its racial disparities, and Fertig confirmed BIPOC residents have much higher poverty rates than white residents, and existing support systems only help meet basic needs.

"A lot of people believe that Minnesota is a very generous state in terms of its safety net," Fertig acknowledged. "And that's generally true. However, there are lots of things that we could do better."

The report calls for state action, such as expanding eligibility for SNAP benefits, to help all families prosper. Despite a large budget surplus, it is unclear if boosting various forms of assistance will happen under a divided Legislature. The poverty rate for Black residents is 21%, while 29% of Native Americans fall into the same category.

Fertig pointed out there is also variation when looking at poverty through a geographic lens, with higher rates in certain urban centers, including Duluth and the Twin Cities, and some rural regions as well. Her report calculated separate poverty rates when factoring in federal benefit programs and found it was not much better than the official rate.

"What the report reveals is that current policies and programs just aren't enough to eliminate poverty," Fertig asserted. "They exactly balance out with the higher costs that living (and) covering your basic needs entail."

Bill Grant, executive director of the Minnesota Community Action Partnership, which supported the report, said it is good to have a more accurate measure so organizations such as his know where to ask for legislative support to make them stronger.

"While a number of people have benefited from these programs, they aren't accomplishing the primary objective, which is to lift people out of poverty," Grant stressed.

The new report looked at 2019 data and called for a statewide Commission to End Poverty. Those involved hoped to issue annual findings to track how marginalized residents are faring, especially in light of the pandemic.