Zoom, FaceTime, etc., are no good if you are hard of hearing. Although you can buy a zoom add-on that will provide subtitles it is expensive.
Researching for a friend I discovered that Google Meet, a free video conferencing app, can be set to display subtitles in real time.
I’m attached two guides – one for the initiator of the video call and the other for the receiver.
This is so useful. Thank you Mark.