I have tinnitus as well but only really notice it when I get up to go to the bathroom at night. However, I think it probably interferes with my ability to understand spoken words.
I thought I was about 80% deaf since I have to hold my electric razor to within an inch of my ear before I can hear it. The VA sent me to a non-VA audiologist who tested me. He said I'm NOT 80% deaf; I'm only 78% deaf!
I can easily converse with folks in a quiet setting.
Add even a smidgeon of background noise and I have real trouble understanding people.