These policies allow you to guarantee your financial needs when you are at home and not working. In brief, Mortgage Protection or Income Protection insurance plans help you to keep a part of your income (up to a maximum) . During financial emergencies the money covered under the specific policies can be used to help with expenses and you could get up to a year of constant payments on a monthly basis for the amount that you had asked until you return to work .
Even if you do not get back to job, the payments will be stopped anyway. To make further claims you have to be fully employed for 6 months after getting back to work. With the help of this your family can be looked after and your lifestyle maintained to some extent while you are in the process of recovery or searching for a suitable job.
If you need to protect your mortgage, you should go for the Mortgage Protection Insurance (MPPI).