Many older adults find it challenging to keep up with winter home heating bills.

If you or an older loved one is struggling to pay your utility bills, there are programs to assist. Here are just a few.

Christine Vanlandingham is chief operating officer of Region IV Area Agency on Aging in Southwest Michigan. Questions on age or independence services? Call the Info-Line for Aging & Disability at 800-654-2810 or visit www.areaagencyonaging.org. The Generations column appears each Saturday in The Herald-Palladium.