I think you should make speech audiometry in
noise: BILD (Binaural intelligebility level difference)
or a tone test in noise: BMLD (binaural masking level difference)
to measure your ability to suppress noise.
Suppressing noise is one important effect of normal binaural hearing.
(an other important effect is localisation)
With this tests you get information how your both ears
>> I have difficulty understanding speech if there is any other
> noise such as a fan. It is bad enough that the other residents
> of my household thought that I was hard of hearing. I had the
> tone test and was in the normal range.
>> Later I noticed while looking at social security rules, that
> there is a test for hearing 'discrimination'. Is that a test
> where there is background noise or something of the sort and the
> ability to understand words is tested or is it just words and
> you are asked if you understand them when they are presented in
> silence? Hope that makes sense.
>> If it is the latter, what might my problem be and what test
> would help diagnose it.