PSEG Long Island Residential (Rate 194) — Field Guide

⚠️ Disclaimer: This guide was generated by an LLM based on the tariff JSON plus background knowledge of utility rate structures. The content has not been verified by domain experts. Please verify any claims before relying on them for business or regulatory purposes.

Data Source: This guide covers tariff data from the Arcadia Signal API (formerly Genability). The JSON structure, field names, and lookup mechanisms described here are specific to Arcadia's tariff data model. The full JSON output is included below for reference.

Master Tariff ID: 3439408 Tariff Code: 194 Tariff Name: Residential Customer Class: Residential Customer Count: ~420,341

Overview

Rate 194 is PSEG Long Island's default residential electric rate. PSEG-LI operates the Long Island Power Authority (LIPA) grid under contract, serving Nassau and Suffolk counties and the Rockaway Peninsula in New York City. With roughly 420,000 residential customers on this tariff, it is the standard offering for most homes on Long Island.

Unlike a flat rate, Rate 194 is a time-of-use (TOU) tariff. Peak hours are weekdays 3 PM–7 PM; all other times (including weekends and holidays) are off-peak. Delivery (energy) charges and power supply charges both vary by season (Summer: Jun–Sep, Winter: Oct–May) and by peak/off-peak. This design encourages shifting load away from late-afternoon peaks. Customers who do not opt out are on Rate 194; optional flat Rate 180 and super-off-peak Rate 195 are also available, with bill protection for customers who switch to TOU.

Territory can affect certain charges: Suffolk County vs Outside Suffolk County (Nassau, Rockaways) for items such as Shoreham property tax settlement.

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Quick Reference: All Charges

Rate Group	Rate Name	Charge Type	Charge Class	Zone	Season	Tiered	Rate Value
Service Charge	Service Charge	FIXED_PRICE	DISTRIBUTION	❌	❌	❌	$0.56
Energy Charge	Energy Charge - Summer Peak	CONSUMPTION_BASED	DISTRIBUTION	❌	✅	❌	$0.2217
Energy Charge	Energy Charge - Summer Off-Peak	CONSUMPTION_BASED	DISTRIBUTION	❌	✅	❌	$0.1093
Energy Charge	Energy Charge - Winter Peak	CONSUMPTION_BASED	DISTRIBUTION	❌	✅	❌	$0.1885
Energy Charge	Energy Charge - Winter Off-Peak	CONSUMPTION_BASED	DISTRIBUTION	❌	✅	❌	$0.0929
Shoreham Property Tax (SPT)	Shoreham Property Tax (SPT) Settlement	QUANTITY	—	✅	❌	❌	Lookup
Shoreham Property Tax (SPT)	Shoreham Property Tax (SPT) Settlement	QUANTITY	—	✅	❌	❌	—
Distributed Energy Resources	Distributed Energy Resources Cost Reco	CONSUMPTION_BASED	—	❌	❌	❌	Lookup
New York State Assessment	New York State Assessment	QUANTITY	—	❌	❌	❌	Lookup
Revenue Decoupling Mechanism	Revenue Decoupling Mechanism	QUANTITY	DISTRIBUTION	❌	❌	❌	Lookup
Securitization Offset Charge	Securitization Offset Charge	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	❌	❌	Lookup
Securitization Charge	Securitization Charge	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	❌	❌	Lookup
Delivery Service Adjustment	Delivery Service Adjustment	QUANTITY	DISTRIBUTION	❌	❌	❌	Lookup
Minimum	Minimum	MINIMUM	—	❌	❌	❌	$0.56
Increase in Rates and Charg	Increase in Rates and Charges to Reco	—	—	❌	❌	❌	—
Costumer Benefit Contributio	Costumer Benefit Contribution - Reside	—	—	❌	❌	❌	—
Merchant Function Charge - R	Merchant Function Charge - Residential	—	—	❌	❌	❌	—
Power Supply Charge - 194	Power Supply Charge - 194	—	—	❌	❌	❌	—
Rates and Charges to Recover	Rate for Cities and Incorporated Villa	QUANTITY	—	❌	❌	❌	$1.1404
Rates and Charges to Recover	Rate for Cities and Incorporated Villa	QUANTITY	—	❌	❌	❌	$3.5921
Costumer Benefit Contributio	Costumer Benefit Contribution	QUANTITY	—	❌	❌	❌	$0.0372
Merchant Function Charge	Merchant Function Charge	CONSUMPTION_BASED	SUPPLY	❌	❌	❌	$0.001764
Power Supply Charge	Power Supply Charge - Summer Peak	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	✅	❌	$0.286622
Power Supply Charge	Power Supply Charge - Summer Off-Peak	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	✅	❌	$0.121967
Power Supply Charge	Power Supply Charge - Winter On-Peak	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	✅	❌	$0.313587
Power Supply Charge	Power Supply Charge - Winter Off-Peak	CONSUMPTION_BASED	SUPPLY,CONTRACTED	❌	✅	❌	$0.121967

---

Charge-by-Charge Breakdown

Basic Service Charges

Service Charge — $0.56/day

A daily fixed charge that covers account and metering costs. Billing is monthly but the charge is applied per day in the billing period (e.g. 30 days × $0.56 ≈ $16.80). Everyone on Rate 194 pays it. It is one of the lowest fixed charges among NY utilities.

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Delivery Charges

Delivery charges on Rate 194 are time-of-use and seasonal. Peak is weekdays 3–7 PM; all other hours (including weekends and holidays) are off-peak. Summer is June–September; Winter is October–May. This design encourages shifting load away from late-afternoon peaks.

Energy Charge — Summer Peak — $0.2217/kWh

Delivery rate for summer weekdays 3–7 PM. The highest per-kWh delivery rate; it recovers the cost of serving load when the distribution system is most stressed. Set in LIPA/PSEG-LI rate cases.

Energy Charge — Summer Off-Peak — $0.1093/kWh

Delivery rate for all summer hours outside 3–7 PM weekdays. Roughly half of the summer peak rate. Applies to weekends, holidays, and weekday mornings and evenings.

Energy Charge — Winter Peak — $0.1885/kWh

Delivery rate for winter weekdays 3–7 PM. Lower than summer peak but still the highest winter delivery rate. Winter peaks are typically lower than summer on Long Island.

Energy Charge — Winter Off-Peak — $0.0929/kWh

Delivery rate for all winter hours outside 3–7 PM weekdays. The lowest of the four energy rates. Most winter usage falls here.

Shoreham Property Tax (SPT) Settlement — Variable, by territory

Recovers LIPA's payment of a $620 million property-tax refund related to the Shoreham nuclear power plant. Shoreham was built by LILCO (1973–1984) at a cost of $6 billion but operated only briefly in 1986 before being decommissioned in 1989 after Suffolk County determined safe evacuation was impossible. LIPA acquired the plant for $1 in 1992 and won a settlement for excess property-tax assessments. The charge is a percentage of delivery charges (~3%), applied for up to 30 years from ~2003 (through ~2033). Territory matters: only Suffolk County customers pay it; Outside Suffolk County (Nassau, Rockaways) customers see $0. Use the Lookups API with the correct territory.

Distributed Energy Resources Cost Recovery — Variable

Recovers the net cost LIPA incurs from compensating distributed energy resources — primarily rooftop solar, community solar (CDG), and behind-the-meter storage — under NY's Value of Distributed Energy Resources (VDER) / Value Stack framework. When DER systems export power to the grid, LIPA compensates owners via bill credits; the total credits paid out create a net cost recovered from all ratepayers through this per-kWh surcharge. PSEG-LI's equivalent of ConEd's VDER Cost Recovery charge. Rate is updated periodically; use the Lookups API.

New York State Assessment — Variable

PSEG-LI's name for the NY State Surcharge under Public Service Law §18-a. This is a statewide assessment on utilities that funds the Department of Public Service and other state regulatory costs; utilities pass it through to customers as a percentage of charges. Rate is obtained via lookup.

Revenue Decoupling Mechanism — Variable

Part of New York's decoupling policy: PSEG-LI's allowed delivery revenue is decoupled from sales. If customers use less than forecast, this charge adjusts so the utility is neutral to conservation. Value from lookup.

Securitization Offset Charge — Variable

A credit that removes old, higher debt-service costs previously embedded in LIPA's base rates. Before securitization, ratepayers were paying higher interest on LIPA's legacy debt (inherited from LILCO, including Shoreham-related obligations). The Utility Debt Securitization Authority (UDSA) refinanced this debt through lower-cost restructuring bonds; the offset passes the savings through. Value from lookup.

Securitization Charge — Variable

Collects debt service (principal and interest) on the UDSA restructuring bonds — the lower-cost bonds that replaced LIPA's legacy debt. UDSA has issued five series of bonds, generating cumulative NPV savings of ~$699M for Long Island ratepayers. The net of the Securitization Charge minus the Securitization Offset represents the actual debt-service burden on ratepayers, which is lower than what they'd pay without refinancing. Both are classified SUPPLY,CONTRACTED. Use the Lookups API for the effective rate.

Delivery Service Adjustment — Variable

Reconciles three delivery-side financing cost categories against LIPA's budget: (1) debt service — actual vs. projected principal and interest on delivery-related debt, (2) coverage — adjustments to hit LIPA's Board-mandated debt coverage ratio target, and (3) other financing costs — interest rate swaps, letter of credit fees, and remarketing fees. Can be a surcharge (costs exceeded budget) or credit (costs came in below). Analogous to ConEd's MAC. Value from lookup.

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Minimum Charge

Minimum — $0.56/day

If the bill before applying this floor is less than the minimum, the minimum applies. It is tied to the daily service charge (one day of service charge). In practice, most customers exceed it; it mainly affects very low usage or vacant accounts.

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Rider Charges

Increase in Rates and Charges to Recover / Rates for Cities and Incorporated Villages — $1.1404 and $3.5921 (quantity-based)

Recovers Payments in Lieu of Taxes (PILOTs) that LIPA, as a public authority, makes to municipalities where it owns infrastructure (replacing the property taxes a private utility would pay). LIPA's total PILOT obligation is ~$346–351M/year (~8% of its operating budget); the bulk is embedded in base delivery rates. This separate line item recovers the incremental PILOT obligations for customers in cities and incorporated villages on Long Island. The two quantity-based rates ($1.1404 and $3.5921) are fixed per-customer charges (not volumetric). Customers outside qualifying cities/villages don't pay this surcharge.

Customer Benefit Contribution — $0.0372/kW of system size (solar)

Only applies to customers with solar. A monthly charge based on nameplate capacity (kW). Part of NY's VDER reforms so solar customers contribute to grid costs. If you do not have solar (systemSize = 0), this is $0.

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Supply Charges

These apply only if you take default supply from PSEG-LI. Supply rates are seasonal and time-of-use, aligned with the delivery peak/off-peak windows.

Merchant Function Charge — $0.001764/kWh

Covers PSEG-LI's costs to administer default supply: procurement, risk management, billing. Flat per-kWh; only default-supply customers pay it. Relatively small compared to the power supply charge.

Power Supply Charge — Summer Peak — $0.286622/kWh

Commodity rate for summer weekdays 3–7 PM. The highest supply rate. Reflects higher wholesale prices during peak demand.

Power Supply Charge — Summer Off-Peak — $0.121967/kWh

Commodity rate for summer off-peak hours. Less than half of summer peak. Most summer supply cost is in peak if usage is peak-heavy.

Power Supply Charge — Winter On-Peak — $0.313587/kWh

Commodity rate for winter weekdays 3–7 PM. Slightly higher than summer peak in the tariff. Winter peak hours are fewer on Long Island.

Power Supply Charge — Winter Off-Peak — $0.121967/kWh

Commodity rate for winter off-peak hours. Same as summer off-peak in the tariff. Bulk of winter usage typically falls here.

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Example Bill Calculation

A customer outside Suffolk County in July (summer), using 500 kWh with 200 kWh peak and 300 kWh off-peak, default supply, no solar:

Delivery Charges

Charge	Calculation	Amount
Service Charge	30 days × $0.56	$16.80
Energy (Summer Peak)	200 kWh × $0.2217	$44.34
Energy (Summer Off-Peak)	300 kWh × $0.1093	$32.79
SPT (outside Suffolk)	(varies)	~$2.00
DER Cost Recovery	(varies)	~$1.50
NY State Assessment	(varies)	~$1.00
RDM	(varies)	~$0.50
Delivery Service Adj.	(varies)	~$0.50
Subtotal Delivery		~$99.43

Supply Charges

Charge	Calculation	Amount
Power Supply (Peak)	200 kWh × $0.286622	$57.32
Power Supply (Off-Peak)	300 kWh × $0.121967	$36.59
Securitization (net)	(varies)	~$2.00
Merchant Function	500 kWh × $0.001764	$0.88
Subtotal Supply		~$96.79

Riders & Other

Charge	Calculation	Amount
CBC (no solar)	$0	$0.00
Cities/Villages (pilot)	(quantity-based)	~$3.00
Subtotal Riders		~$3.00

Total

~$199.22 for 500 kWh in July (200 peak, 300 off-peak), outside Suffolk, no solar. Delivery and supply lookups (SPT, DER, RDM, securitization, etc.) will change the total; use the Lookups API for a given month and territory. Minimum would be 30 × $0.56 = $16.80; this bill is well above that.

Breakdown by Category

Category	Amount	% of Bill
Fixed (Service)	$16.80	8%
Delivery (Volumetric)	~$82.63	42%
Supply	~$96.79	48%
Riders & Other	~$3.00	2%

Key insight: Rate 194 is TOU and seasonal: peak usage (200 kWh at summer peak rates) drives a large share of both delivery and supply. Shifting load to off-peak reduces the bill; the same 500 kWh with more off-peak usage would be lower. Supply and delivery each contribute roughly half of the total in this example.

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Full Tariff JSON

The complete tariff JSON from the Arcadia Signal API is below. For structure and field definitions, see Arcadia Tariff API Reference.

Click to expand full JSON (~1300 lines)

[
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    "tariffName": "Residential",
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    "lseName": "PSEG Long Island",
    "lseCode": "PSEGLI",
    "serviceType": "ELECTRICITY",
    "priorTariffId": 3493559,
    "tariffType": "DEFAULT",
    "customerClass": "RESIDENTIAL",
    "privacy": "PUBLIC",
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    "customerLikelihood": 100.0,
    "customerCountSource": "Genability Estimate",
    "territoryId": 215,
    "effectiveDate": "2026-01-01",
    "endDate": null,
    "closedDate": null,
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    "hasTimeOfUseRates": true,
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    "hasNetMetering": true,
    "isActive": true,
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        "description": "Quantity in kWh of load that is used for a period of time",
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        "propertyTypes": "RATE_CRITERIA",
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      {
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      },
      {
        "keyName": "systemSize",
        "quantityKey": null,
        "displayName": "System Size",
        "family": "system",
        "keyspace": "solarPV",
        "description": "Nameplate capacity (kW).",
        "dataType": "DECIMAL",
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        "operator": "=",
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        "quantityUnit": "kW",
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      {
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        "description": "The tariff has rates with the following charge class.",
        "dataType": "CHOICE",
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          {
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          {
            "displayValue": "Tax",
            "value": "8",
            "dataValue": "8",
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          {
            "displayValue": "Other",
            "value": "16",
            "dataValue": "16",
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          },
          {
            "displayValue": "Contracted",
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          "touPeriods": [
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              "touPeriodId": 90213,
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              "toMinute": 0,
              "calendarId": null
            },
            {
              "touPeriodId": 90214,
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              "fromHour": 0,
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              "toDayOfWeek": 6,
              "toHour": 0,
              "toMinute": 0,
              "calendarId": null
            }
          ],
          "privacy": "PUBLIC"
        },
        "chargeType": "CONSUMPTION_BASED",
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        "rateBands": [
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        ],
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          "seasonFromMonth": 10,
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        },
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          "touPeriods": [
            {
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              "toMinute": 0,
              "calendarId": null
            }
          ],
          "privacy": "PUBLIC"
        },
        "chargeType": "CONSUMPTION_BASED",
        "chargeClass": "DISTRIBUTION",
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        "transactionType": "NET",
        "rateBands": [
          {
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      },
      {
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              "fromHour": 0,
              "fromMinute": 0,
              "toDayOfWeek": 6,
              "toHour": 0,
              "toMinute": 0,
              "calendarId": null
            }
          ],
          "privacy": "PUBLIC"
        },
        "chargeType": "CONSUMPTION_BASED",
        "chargeClass": "SUPPLY,CONTRACTED",
        "chargePeriod": "MONTHLY",
        "transactionType": "NET",
        "rateBands": [
          {
            "tariffRateBandId": 15927329,
            "tariffRateId": 20912745,
            "rateSequenceNumber": 1,
            "hasConsumptionLimit": false,
            "hasDemandLimit": false,
            "hasPropertyLimit": false,
            "rateAmount": 0.121967,
            "rateUnit": "COST_PER_UNIT",
            "isCredit": false,
            "prevUpperLimit": null
          }
        ],
        "hasApplicabilityFormula": false
      },
      {
        "tariffRateId": 20912746,
        "masterTariffRateId": 19753988,
        "tariffId": 3531707,
        "riderTariffId": 3537665,
        "tariffSequenceNumber": 38,
        "tariffBookSequenceNumber": 4,
        "rateGroupName": "Power Supply Charge",
        "tariffBookRateGroupName": "Power Supply Charge",
        "rateName": "Power Supply Charge - Winter On-Peak",
        "tariffBookRateName": "Power Supply Charge",
        "fromDateTime": "2026-01-01T00:00:00-05:00",
        "toDateTime": null,
        "season": {
          "seasonId": 170,
          "lseId": 200,
          "seasonGroupId": 1,
          "seasonName": "Winter",
          "seasonFromMonth": 10,
          "seasonFromDay": 1,
          "seasonToMonth": 5,
          "seasonToDay": 31
        },
        "timeOfUse": {
          "touId": 66332,
          "touGroupId": 32,
          "lseId": 200,
          "touName": "On-Peak",
          "calendarId": null,
          "isDynamic": false,
          "season": null,
          "touType": "ON_PEAK",
          "touPeriods": [
            {
              "touPeriodId": 90212,
              "touId": 66332,
              "fromDayOfWeek": 0,
              "fromHour": 15,
              "fromMinute": 0,
              "toDayOfWeek": 4,
              "toHour": 19,
              "toMinute": 0,
              "calendarId": null
            }
          ],
          "privacy": "PUBLIC"
        },
        "chargeType": "CONSUMPTION_BASED",
        "chargeClass": "SUPPLY,CONTRACTED",
        "chargePeriod": "MONTHLY",
        "transactionType": "NET",
        "rateBands": [
          {
            "tariffRateBandId": 15927330,
            "tariffRateId": 20912746,
            "rateSequenceNumber": 1,
            "hasConsumptionLimit": false,
            "hasDemandLimit": false,
            "hasPropertyLimit": false,
            "rateAmount": 0.313587,
            "rateUnit": "COST_PER_UNIT",
            "isCredit": false,
            "prevUpperLimit": null
          }
        ],
        "hasApplicabilityFormula": false
      },
      {
        "tariffRateId": 20912747,
        "masterTariffRateId": 19753989,
        "tariffId": 3531707,
        "riderTariffId": 3537665,
        "tariffSequenceNumber": 38,
        "tariffBookSequenceNumber": 5,
        "rateGroupName": "Power Supply Charge",
        "tariffBookRateGroupName": "Power Supply Charge",
        "rateName": "Power Supply Charge - Winter Off-Peak",
        "tariffBookRateName": "Power Supply Charge",
        "fromDateTime": "2026-01-01T00:00:00-05:00",
        "toDateTime": null,
        "season": {
          "seasonId": 170,
          "lseId": 200,
          "seasonGroupId": 1,
          "seasonName": "Winter",
          "seasonFromMonth": 10,
          "seasonFromDay": 1,
          "seasonToMonth": 5,
          "seasonToDay": 31
        },
        "timeOfUse": {
          "touId": 66333,
          "touGroupId": 32,
          "lseId": 200,
          "touName": "Off-Peak",
          "calendarId": 61,
          "isDynamic": false,
          "season": null,
          "touType": "OFF_PEAK",
          "touPeriods": [
            {
              "touPeriodId": 90213,
              "touId": 66333,
              "fromDayOfWeek": 0,
              "fromHour": 19,
              "fromMinute": 0,
              "toDayOfWeek": 4,
              "toHour": 15,
              "toMinute": 0,
              "calendarId": null
            },
            {
              "touPeriodId": 90214,
              "touId": 66333,
              "fromDayOfWeek": 5,
              "fromHour": 0,
              "fromMinute": 0,
              "toDayOfWeek": 6,
              "toHour": 0,
              "toMinute": 0,
              "calendarId": null
            }
          ],
          "privacy": "PUBLIC"
        },
        "chargeType": "CONSUMPTION_BASED",
        "chargeClass": "SUPPLY,CONTRACTED",
        "chargePeriod": "MONTHLY",
        "transactionType": "NET",
        "rateBands": [
          {
            "tariffRateBandId": 15927331,
            "tariffRateId": 20912747,
            "rateSequenceNumber": 1,
            "hasConsumptionLimit": false,
            "hasDemandLimit": false,
            "hasPropertyLimit": false,
            "rateAmount": 0.121967,
            "rateUnit": "COST_PER_UNIT",
            "isCredit": false,
            "prevUpperLimit": null
          }
        ],
        "hasApplicabilityFormula": false
      }
    ]
  }
]

---

Understanding the JSON

• chargeType: FIXED_PRICE (daily service charge), CONSUMPTION_BASED (energy, supply, many riders), QUANTITY (CBC per kW, percentage-based items), MINIMUM.
• chargeClass: DISTRIBUTION (delivery), SUPPLY or SUPPLY,CONTRACTED (supply and MFC).
• territory: Present for SPT and any other zone-specific rates (Suffolk vs Outside Suffolk).
• season: Summer (Jun 1–Sep 30) and Winter (Oct 1–May 31) for energy and supply.
• timeOfUse: ON_PEAK (weekdays 3–7 PM), OFF_PEAK otherwise.
• variableRateKey: When present, use Arcadia Lookups API for current value.
• rateBands: Single band for most rates; rateAmount in each band.

---

Summary: What You Need to Know

1. Rate 194 is default TOU — Peak weekdays 3–7 PM; off-peak all other times; summer vs winter.
2. Delivery and supply both have TOU and season — Use the correct rate for each hour/month.
3. Service charge is daily — $0.56/day; minimum is the same per day.
4. Territory (Suffolk vs outside Suffolk) affects SPT and any other zone-specific charges.
5. Many charges use lookups — SPT, RDM, securitization, delivery adjustment, state assessment, etc.
6. CBC applies to solar (per kW); MFC applies to default supply (per kWh).