Low Income Program

Sometimes customers face circumstances that stretch their financial resources. New Jersey American Water is here to assist. Our customer service representatives will work with you on a plan to pay the balance of the bill over time. You may also be qualified to receive assistance through our H2O Help to Others Program™.

Help to Others Progam (H2O)

If you cannot pay your bill by the due date, please contact our customer service center at 1-800-272-1325 BEFORE the due date. They will work with you to determine payment plan options that may be available.

These payment arrangements may require you to:

    • Pay at least 25% of your bill within 48 hours of your call
    • Pay the rest of the bill according to an agreed upon schedule
    • Pay all future bills as they become due
    • Only customers who have not broken similar agreements in the past twelve months are eligible to make these payment arrangements

H2O Help to Others Program™: Assisting customers who need it most
For nearly a decade, New Jersey American Water has been assisting low-income customers who qualify through its H2O Help to Others Program™. There are two main components of the program:


Customers who qualify may receive a grant of up to $500 to help pay their water bill for indoor water use only. This would not apply to water for outdoor purposes, such as sprinkler systems. In 2016, the company provided $39,130 in assistance grants to 169 households. A grant from this program may not cover a recipient‘s entire water bill. In some cases, recipients must pay a portion of their bill based on their income. NOTE: Grants are available to qualifying customers once every three years.

Service Charge Discount

Customers who qualify may also receive a 100 percent discount on their monthly fixed service charge for water. Approximately 1,900 customers are currently enrolled in this program (as of December 31, 2016).

NEW LOW INCOME DISCOUNT OFFERED: Customers who receive Social Security benefits or Medicare coverage, who qualify for the service charge discount, are also eligible to receive a discount off the monthly DSIC charge, which is based on meter size.

Eligibility Guidelines

To qualify for the H2O program, customers must have annual incomes at or below 300 percent of the Federal Poverty guidelines, as provided in the chart below. Customers must also fulfill at least 50 percent of the payment terms. For additional qualification requirements, customers can contact New Jersey SHARES, New Jersey American Water’s program administrator.

Monthly Income Guidelines for the H20™ Grants

Number of Persons per Household

H2O Help to Others Program Total Combined Monthly Income

















For Each Additional Person


How You Can Help

New Jersey American Water customers who wish to contribute to the H2O Help to Others Program™ can do so by adding a donation to their monthly New Jersey American Water bill payment. Donations can be made as a one-time gift or a monthly donation of $1, $3 or $5. You can be assured that 100 percent of your donation and our matching funds go directly to qualifying customers. Our company assumes all administrative costs for this program so that every penny you donate goes directly to this worthwhile cause.

For More Information

The H20 Grants and Discounts are administered by NJShares, which is an independent, non-profit organization established to help those in need pay their utility bills. For more information, or to see if you qualify for these programs, contact NJShares toll-free at 1-877-652-9426 (1-877-NJAWH2O).

Other Utility Assistance Programs in New Jersey

In addition to New Jersey American Water’s H2O Help to Others Program, there are a number of energy and heating bill assistance programs and government programs for those who qualify. For a full list of local community resources, New Jersey residents can search the online database at www.nj211.org and view a comprehensive listing of the state’s energy programs. Customers may also dial “2-1-1” 24 hours a day, seven days a week for help in finding available assistance services.