Do either of you two have an Employee Assistance Program (EAP)? If so, check with human resources at the firm regarding EAP. Employers cannot act negatively regarding EAP requests so you can be confident that they will not take negative action if you ask about it.

I haven't heard too much of lifetime limits - only annual. Make sure you do your work (ie. take the therapist's help and integrate it into your life) otherwise, you will be going to a "T" forever. The point being - insurance companies do want you to make positive moves after treatment. It's a personal issue and is hard to compare - but in some small way it could be like a doctor telling the smoker-patient not to smoke (for their own good) but they continue to smoke. Going to "T" is supposed to help you move forward and if it's not working, things like pharmaceuticals and other changes need to be made (or change the "T").