It is easy to imagine the social isolation created by losing your hearing as you grow older. The career blockage experienced by younger deafened people is less understood.Most people are not aware of the significant public service cost because hard of hearing people cannot use a voice-telephone for time-critical services. Using a third person as a relay is costly and time-consuming. TC-Cap provides an automated text display for the hard-of-hearing person to read, during the call. TC-Cap automates the process with bespoke smart software, reducing the display latency and slashing costs. TC-Cap also captions video calls so that enhanced lip-reading is possible. Enabling the use of a voice telephone can offer cost savings in the UK of over £20m pa, reduce the need for human assistance in Government’s Access to Work by possibly £2m pa , and reduces isolation, improves personal security and enhances family life. Existing services in USA, Australia and UK are costly and time-consuming; TC-Cap is efficient and embedded in new ubiquitous technologies. TC-Cap increases well-being, re-connects people with society and opens up productive career prospects for younger hard-of-hearing people.