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i am sorry your husband is having such a bad time with tinnitus. I gather from your post, he works, and is not deaf.
I know this is easy to say, but he must find something to completely occupy his mind. Stop worrying and thinking about tinnitus, as this makes it worse. Find something to focus on, and concentrate fully on that.
Some people find that certain sounds like sea help, and I believe there are gadgets to help. You can live with it, I have for twelve years, and it can be loud at first. I have learned to ignore it, and now it is just a background sound. But I do remember the jet engines, whistling and many other strange sounds including some quite musicale. Good luck.
I agree with your husband that income protection is relatively unlikely to pay out for tinnitus alone. It's a shame that society doesn't take tinnitus as seriously as it should. However, it sounds like your husband has mental health and psychological difficulties also that have been caused by his tinnitus. The fact that he is 1 point on your scale away from suicidal says a lot. He may be able to claim the 75% income protection on the basis of this?
I have also recently got tinnitus. It started about 3 months ago. Like your husband, I have worked as a computer service engineer for the past 20 years. Following a hearing test, I have hearing loss at 2KHz. Apparently noise induced hearing loss normally is at 4KHz but I still think it was the data centre noise that did it. I also have two colleagues that have tinnitus too. I wasn't always good at putting the ear plugs in as I was ignorant. I wear ear defenders every time now though as I don't want it to get any worse. I would have thought that your husband could not damage his ears further if he is wearing ear defenders in the computer rooms and the job probably helps to keep his mind off it a bit. I think it is better on holiday because he is less stressed and less tired, both of which can make it worse. Dwelling on it makes it worse too so I try my best not to get depressed about it. I think that healthy living, regular exercise and sleep will help. I am going to seek out ways to relax as I think this will also help- maybe Pilates or a mindfulness class.
Hi I think earring Adam is on the right track if the Tinnitus is causing mental stress and he could be signed off with that it would be the route to go for a claim with his health insurance.