The fundamental properties of the photon have deep impact on the astrophysical processes that involve it, like the inverse Compton scattering of CMB photon by energetic electrons residing within galaxy cluster atmospheres, usually referred to as the Sunyaev-Zel'dovich effect (SZE). We calculate the combined constraints on the photon decay time and mass by studying the impact of the modified CMB spectrum, as recently calculated (Heeck 2013), on the SZE of galaxy clusters. We analyze the modifications of the SZE as produced by photon decay effects. We study in details the frequency regimes where these modifications are large and where the constraints derived from the SZE can be stronger with respect to those already obtained from the CMB spectrum. We show that the SZE can set limits on the photon decay time and mass, or on \(E^* = \frac{t_0}{\tau_\gamma}m_\gamma c^2\), that are stronger than those obtained from the CMB: the main constraints come from the low frequency range \(\nu \approx 10-50\) GHz where the modified SZE \(\Delta I_{mod}\) is larger than the standard one \(\Delta I\), with the difference \(|(\Delta I_{mod} - \Delta I)|\) increasing with the frequency for increasing values of \(E^*\); additional constraints can be set in the range \(120 - 180\) GHz where there is an increase of the frequency position of the minimum of \(\Delta I_{mod}\) with respect to the standard one with increasing values of \(E^*\). We demonstrated that the effect of photon decay can be measured or constrained by the Square Kilometer Array in the optimal range \(\approx 10-30\) GHz setting limits of \(E^* \leq 1.4 \times 10^{-9}\) eV and \(5 \times 10^{-10}\) eV for 30 and 260 hour integration for A2163, respectively. These limits are stronger than those obtained with the COBE-FIRAS spectral measurements of the CMB.