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Programs that pay all or a portion of the telephone expenses of people whose telephone service has been or is at risk of being disconnected including any reconnection fees that may apply. Also included are programs that help qualified low-income consumers connect or hook up to the telephone network by paying a portion of the hook-up fee or encourage telephone companies to offer a deferred payment schedule for hook-up charges. Telephone service payment assistance programs may have age, income, disability, need or other eligibility requirements.