The reasons why they won't publish the terms and conditions are simple.
There is none. They change them as they see fit.
E.G. Last year, I had a pension of 2/3 final salary,
My medical was paid by the company, and done on an allocated day,not when I'm off or flying,
I had loss of licence insurance of 150000.
Last April, MOL told us that the company wasn't making money this year due to the "bloodbath",and they took it all from us with a memo.
We have him in court in Dublin,and we're going to get it all back.