Utilities and Medical Concerns

Last Updated: August 4, 2025

“My electric or gas utilities just got shut off or will be shut off.  Can I get them back or keep them on for medical reasons?”

If lack of utilities is dangerous to your health or the health of a person living at your residence, then the utility company must postpone disconnection for 30 days or reconnect service.  To qualify, the person must have a serious medical condition and the person’s health must be in danger.  A serious health condition can include mental health (such as depression) or physical conditions that pose an especial danger if utilities are shut off.  The law treats these situations slightly differently depending on whether the utilities are going to be shut off or have already been shut off.

If the utilities are still on but you are facing disconnection:

  • You will have to get a doctor or public health official to verify the nature of the health danger and approximately how long the danger will continue.  If the doctor or health official verifies this over the phone, they must follow up in writing within 5 days.  After the health danger is verified, the utility company must postpone disconnection for 30 days.  You must make payment arrangements within that time or else the utility company can restart disconnection.

If your utilities are already disconnected and you want to be reconnected:

  • You will have to get a doctor or public health official to verify to the utility provider the health danger within 14 days of disconnection.  Then the utility company must reconnect you and postpone further disconnection for 30 days.  You must make payment arrangements within that time or else the utility company can restart disconnection.

This legal information was translated with the assistance of a Prairie Meadows Community Betterment grant.

Related Resources

Illegal Debt Collection Conduct

The federal Fair Debt Collection Practices Act, known at the "FDCPA," requires collection agencies to take certain actions:...

Odometer Fraud

Making sure the odometer is correct is an important part of getting the facts about a car before you buy it. Odometer...

Paying for Utilities

Utility bills can strain the budgets of many Iowans. This is especially true for Iowans who are elderly or have a...

Financing a Used Car

When you're looking for a new used vehicle, there are several places to shop. Franchised new car dealers have newer used...

Creditor Threats – Are They for Real?

Health problems, job loss, the death of a spouse and other events can make it hard to pay your bills. Creditors and debt...

Avoiding Fake Check Scams

Avoiding Fake Check Scams Scams involving fake checks are common.  There are also scams involving fake money orders....

HHS Overpayments

Sometimes a person who is receiving a public benefit (like FIP, food assistance (SNAP), or Medicaid) from Iowa’s Department...

Consumer Title Loans

Before the Iowa Legislature changed the law in 2007, car title loans were a very expensive way to borrow money. Now the law...

Warranties

Federal law requires dealers to put a "Buyer's Guide" sticker on used cars. The Buyer's Guide tells you if there is a...

Garnishment in Iowa

What is garnishment? Garnishment is when your money is taken from someone other than you to pay a court judgment.  For...

Dealing With Medical Debt

Illness and injury can cause stress in our lives. When illness and injury lead to medical bills not covered by health...

How to Hire a Good Contractor

A good contractor is the key to a good home repair project.  In planning for the project, follow these steps to hire a...

Know How to Hold it – Pros and Cons of Certain Types of Property Ownership

The manner in which you own your property can have important consequences. The common forms of ownership are sole...

Financial Matters for Older Iowans

Many older Iowans may find themselves in unfamiliar territory when it comes to financial matters, especially after the...

Get Your FREE Credit Report

www.annualcreditreport.com Fight identity theft by monitoring and reviewing your credit report. You may request your free...

Mechanic’s Lien

What is a mechanic's lien? If you make an agreement with someone to do work on your property, that person is a “general...

Licensing Your Vehicle

If you buy a used vehicle from a licensed auto dealer, the dealer will take care of licensing and registration of the...

Refinancing a Loan

A lot of people try to deal with debt by refinancing their loans. Refinancing means paying an old debt with a new debt....

Debts “Written Off” May Count as Taxable Income

Many people do not know that having a debt "written off" or forgiven may count as taxable income. When income is taxable,...

Can They Repossess My Car?

Sometimes a car buyer cannot make payments. He or she stops paying the amount the contract requires. The borrower (person...

Shopping for Credit

To many people, the holidays are a time for giving. That often means buying; and when money is short, people consider...

Telephone Slamming

Telephone slamming occurs when a telephone company changes your telephone service without your consent. Slamming is...

Beware of Free Trial Offers

Some consumers get charged for products or services and don't even know it. This happens especially with "free trial...

Repossession: The Rules a Creditor Must Follow to Take Your Personal Property

A "creditor" is someone you owe money.  Sometimes a creditor can "repossess" your personal property if you do not pay...

Getting a Temporary Restricted License (TRL)

Who Needs a TRL? Many persons need a temporary restricted license (TRL) to handle life's daily responsibilities- getting to...

Identity Theft

What is Identity Theft? Identity theft is when someone uses your name, Social Security number, date of birth, credit card...

The Golden Years and Debt

Major changes older people face often have a dramatic impact on their finances. Someone who is not realistic in dealing...

Do You Have a Junk Mail Problem?

Getting Off Mailing Lists To receive less commercial advertising mail, you can register for The Direct Marketing...

What Can I Do When I Owe Taxes, Court Debt or Other Debts to the State of Iowa?

You cannot register your car. Your operator, hunting, or professional license has been suspended. The state is garnishing...

Debtor’s Exams

If you owe money under a court judgment, you may be ordered to go to the court for a debtor's exam. Do not ignore this...

Payday Loans – a Convenience You Can’t Afford!

Many Iowans, including elderly Iowans, are relying on "Payday" loans to help make ends meet. (Sometimes these loans are...

Selling Your Car

Iowa Department of Transportation - Buying and Selling a Vehicle: www.iowadot.gov  Information You Need If You Sell Your...

Protecting Yourself from Telephone Marketing Fraud

Telemarketers often use illegal and deceptive practices such as contests, free prizes, sweepstakes, fake charities and...

For-Profit Colleges: A Closer Look at Technical Schools and Employability

The Federal Trade Commission (FTC) and the Iowa Attorney General’s Office looked at for-profit schools.  For-profit...

Automatic Payments from Your Bank Account: Know Your Rights

It is becoming more and more common to use recurring automatic electronic payments to pay bills.  “Recurring automatic...

Car Titles

Motor vehicle certificates of title are very important documents that should be treated like a deed to real estate. Titles...

Accidents with No (or Not Enough) Car Insurance

I was in a car accident that wasn’t my fault, but I didn’t have car insurance (or my insurance didn't cover the claimed...

Pre-Need Funeral Arrangements – Pros and Cons

There are many advantages to planning and paying for your funeral in advance. Pre-need funeral arrangements let you choose...

Protect Yourself with Affordable Car Insurance

Iowa drivers and owners of vehicles need to consider how damages will be covered if they are in an accident or if their car...

Consumers and Bail Bonds

Most people spend very little time thinking about bail bondsmen —up until the moment a loved one lands in jail. When a...

Water Service Shutoffs

Water service is an essential service like electricity and gas. These essential services are called "utilities." There are...

Do you really need a bankruptcy?

A Chapter 7 Bankruptcy is a process under federal law designed to help people who can no longer afford to pay off the debt...

Small Claims Informational Booklet

Download our booklet on small claims court: small-claims-booklet-(electronic)Download

Is Your Social Security Safe from Debt Collectors?

Is Your Social Security Safe from Debt Collectors? With several important exceptions, your social security check is safe or...

Risks of Paying Bills Online

It wasn’t that long ago when most of us would sit down at our desks or kitchen tables, gather all of the bills that...

Consumer Issues When You Aren’t Married

A variety of issues can come up when a couple lives together but is not married. This article takes a look at consumer...

Prioritize Your Insurance Needs

Insurance helps protect you from loss when things go wrong. For example, if a tree fell on your car and you couldn’t drive...

Important Credit Card Protections

The CARD Act of 2009 gives consumers who use credit cards and gift cards many protections. Advance Notice of Changes in an...

What To Do If Someone Sues You After an Accident

If someone is injured by a car accident you cause, what happens if you are sued?  If you are sued, what can you do to...

Don’t Let a Legal Question Turn Into a Legal Problem

Nip it in the Bud! Legal questions ignored can turn a small problem into a big problem. If you put your head in the sand...

Funeral Planning

Your funeral may be one of the most expensive consumer purchases you or your family ever makes. Most people, however, do...

Buying a Used Car

Buying a car is a necessity for many, but it can also be a stressful and overwhelming process. Keep reading for some tips...

Avoiding Ripoffs From Contractors and Insurance

What if someone says he is from the Insurance Division or my insurance company and offers to speed up my claim if I pay him...

The Basic Rules of Credit Cards

Credit cards are a source of credit, not a source of income.  Using a credit card when you don't have enough...

Debts Owed to Federal Government Can Be Collected Through Social Security Benefit Checks

Social Security Benefits Subject to Offset to Collect Non-Tax Federal Debts The U.S. Department of Treasury and Social...

Salvage Vehicles

Most consumers should be careful about buying salvage vehicles, though for some it will fit their needs. In Iowa, a...

Predatory Lending – Don’t Be a Victim

Iowans should take precautions to avoid becoming a victim of a "Predatory Lender." Predatory lenders take advantage of...

Just Say “No” to Unwanted Door-to-Door Sales

Telemarketer's are having a tougher time making sales these days. More people use Caller ID and other ways to avoid sales...

Credit Card Lawsuits

I have been sued for a credit card debt. What do I need to do? When you are served with a lawsuit, you will have 20 days...

Apply for free legal help.

To apply for free legal help from Iowa Legal Aid: call 800-532-1275 or apply online. Iowans age 60 and over, call 800-992-8161.

If Iowa Legal Aid cannot help, look for an attorney on “Find A Lawyer” on the Iowa State Bar Association website. A private attorney there can talk with you for a fee of $25 for 30 minutes of legal advice.