Payment protection insurance- anyone used?

[Longwinternights2975]

Morning. I'm looking to speak to people who have used payment protection insurance or who have an understanding of it.
My husband has a very senior role earning nearly 100k and has worked for them for 8 years. He was a very well respected member of staff.
Out of the blue he had a mental breakdown coming up to 3 years ago. And he has been off sick for the past 2 years.
Luckily for him, the company he works for has group payment protection insurance and arranged a 50% pay for him once he'd exhausted sick pay and SSP.
So he's currently getting half of his wage. He has been off sick for 2 years and is 90% better now. During those 2 years, all of the staff that he originally worked with have left. He/we used to have regular meetings with them etc to keep in contact but now there is nothing and we don't ever hear from them.
Originally my husband said once he was better he would go back as he'd worked so hard to climb the career ladder and he's only 40.
But now it's obvious to me that he has no intention of going back ever. I was a sahm mum at the time, and was here to look after him through the worst parts of his illness, but now I work full time to top our money up and to get out of the house as I was finding it very difficult us being together 24/7
My fear is I cannot possibly believe that they would pay him until retirement for another 28 years? He has gotten very comfy on this and won't even discuss it with me when I bring it up. It's as if we've been forgotten about by his work place .
I feel there is now a risk that one day they will terminate his employment and i don't blame them one bit.
Has anyone had experience of long term payments from this? Thanks

It's not up to the employer - it depends what the policy says. Pls check the wording of it. Usually it pays for X years (can be anywhere from 2 years till retirement) but it will be determined by the policy put in place.

It usually pays out till you return to work or the policy ends (which is determined by the length of the policy). (It sounds like income protection rather than payment protection).

If he's fit for work and the doctor won't sign him off, I would be surprised if it would continue?

Sorry income protection.
I forgot to mention, we haven't seen the policy - we don't know anything about it as its the employers policy not ours. He is still paid through the company.
So we have absolutely no idea of terms, and what concerns me now is there is noone working there that knows my husband anymore .

Regarding being off sick, he doesn't require sick notes. His mental health team have to send a 6 monthly report to the insurance company. But they are happy to support him with this indefinitely as he's been diagnosed with a life long condition

My husband had one of these. They paid him 60% of his income. It was tax free to him as he had paid the premiums out of taxed income (he was a partner not an employee)
He got it for 10 years until he died of the said illness. So as long as he qualifies for it medically and there isn't a time limit on the policy they will pay it.

Regarding being off sick, he doesn't require sick notes. His mental health team have to send a 6 monthly report to the insurance company. But they are happy to support him with this indefinitely as he's been diagnosed with a life long condition*

I'd be careful with is. Staff change, and you say he's 90% recovered. If he's doing really well he may well find in a couple of years time they are unwilling to send a report to say he remains unfit for work.

As PPs have said you really need to see the policy as some are until retirement and some only for 5 years