niddy I am so sorry, I really know what you are going through as I am going through exactly the same thing myself. I fact my DH has just stormed out of the house after I tried to question him.
He too works in education (adult education) and has always suffered from depression. Last year he had a health scare and was diagnosed with a stable angina for which he is on medication. He took several weeks' sick leave last year.
On his return his situation at college got worse (he has the boss from hell) and he was signed off at the end of March with work related stress. After years of begging from me he has agreed to CBT counselling and been to a couple of sessions.
He's due back at work next week and has spoken to HR and is off to see occupational health today (that's where he's stormed off to). HR discussed a phased return, perhaps just desk work with no teaching for a while which he seemed OK with.
Last week he went for an interview to do sessional ad-hoc teaching via an organisation he really wants to work for. They'd like to sign him up but there is no guarantee of regular work. It would literally be like jumping off a cliff.
Like you I am terrified about the future. Both financially and as far as his health is concerned. I am self employed, have been for many years and earn the majority of our income, but I don't earn enough to be the sole earner. We still have a mortgage (with less than one year to run) and lots of debts, as well as two teenagers to think about. I have just taken out a £6000 0% interest loan to pay off an overdraft that was costing us loads every month.
Today I tried to point out to him that leaving his job and taking up this offer would be really risky. Not just financially (although I literally don't know how we would stay above water without selling the house) but also stress-wise for him, as he has always been really worried about money (even more so than me).
He has had a complete meltdown with me, saying that if he has to return to work for anything more than a couple of months it would kill him. Blaming me for only caring about money. Saying I never support him (it has literally been 15 years of stop-start jobs for him, sometimes through choice, sometimes because he has been made redundant). Neither of us has much of a pension, and he is 59 this year - it's not as though he can really do much about changing career.
He doesn't give me any chance to put my point of view without accusing me of not caring about his health. But I can only see a career move like the one he is planning as being just as stressful as the job he is in now. He was literally apoplectic. I am so scared he is going to have a heart attack or something as he drives to his OH appointment.
There is no-one I can talk to about this. I am crying as I type. I literally don't know what to do.