Low- and Moderate-Income (LMI) Eligibility

Low- and Moderate-Income (LMI) Eligibility

The rule

PSE&G Building Decarbonization programs include a Low- and Moderate-Income (LMI) tier triggered when household income is below $80,000. The LMI tier increases the rebate amount on each BD sub-program:

• BD Clean Heat: $10,000 → $12,000
• BD Dual Heat: $5,000 → $6,000
• BD Hybrid Heat: $2,000 → $3,000

ACE Rebates add an additional $200 per measure for LMI-qualified households. The fixed income cap for ACE LMI is not yet verified — when in doubt, defer to the consultation.

How the agent should apply it

1. HomeWise does NOT collect household income in the configurator — never ask the user for income directly. Income is sensitive and not required to recommend a track.
2. For tracks containing any LMI-eligible program (PSE&G BD Clean/Dual/Hybrid Heat, ACE rebates), surface LMI as an upsell via a lmiBonus field on the track:

   lmiBonus: {
     additionalAmount: <delta between standard and LMI tier>,
     eligibility: <verbatim caveat copy from below>
   }
   

3. The headline totalRebates value MUST always use the standard (non-LMI) rebate amount. Never apply the LMI tier to top-line numbers — it's a "you may also qualify for" upsell, not a default.
4. UI renders lmiBonus as a secondary line under the track total, framed as additional eligibility the user can confirm.

Caveat copy

Verbatim string for lmiBonus.eligibility:

"If your household income is under $80,000, you may qualify for an additional [$X] in rebates — verified during your free consultation."

(substitute [$X] with the LMI delta — i.e., the difference between the LMI tier rebate and the standard rebate for the applicable program — at runtime)

When a user asks the agent about LMI directly, agent says: "If your household income is under $80,000, you may qualify for higher LMI rebate tiers on the PSE&G Building Decarbonization programs and additional $200 per measure on ACE. We confirm exact eligibility — including the income documentation required — during your free consultation."