I'm hearing impaired to begin with and when fronts come through or if I have a cold my hearing is much worse. I always say my ears are blocked up. Also, sometimes it feels like I'm in an echo chamber.
The fact that you have tinnitus (noise in your ears) usually means something is going on. I have that constantly. It's like background noise and makes hearing speech even worse for me. So, you definitely are not alone with this. Here is what the Mayo Clinic has to say about tinnitus.
http://www.mayoclinic.com/health/tinnitus/DS00365/DSECTION=causes
Sherrine