I don't have a "ringing" in my ears exactly. I'd describe it as more of a soft wall of white noise. Like a million crickets are outside but the higher frequencies and their loudness muffled by the house, and it's only noticeable when there are no other sounds present.
There are many times I also can't hear what's being said on the TV, even with the sound turned up. There have been some movies I just gave up trying to watch because of this. But I don't think all of it was due to me. My wife, although a few years older, has excellent hearing. We have come across movies on TV that even she couldn't hear what was being said. I think the fault, at least partly, is due to films made with Dolby Surround sound or whatever they use now for theaters. Unless you too have that system at home the dynamic range coming out of normal TV speakers doesn't pair well. When folks are whispering on screen, you can't hear them. If you turn it up all the way so you can (and sometimes you still can't) You're blown out of your chair when something happens that's louder. Watching a movie shouldn't require you to adjust volume up and down as you go.
Older movies don't seem to have this problem. So that kind of shows that sometimes it's the fault of the sound engineering and not just my hearing loss. We both have also tried to watch stuff where the music soundtrack was louder than the people talking, to the point that even turned up my wife could not hear them.
As for not hearing my wife....she gets mad sometimes and won't repeat herself if I ask. Pisses me off too. However, sometimes it's OK