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As I understand, you'll get your loyalty payment in April (as was previously the case) then, you'll get another in November on a pro-rata basis. Loyalty bonuses will stop after 2 years under grandfather rights but you'll still accrue 'years worked' for when you get a command.
This is all discussed on the Pilots Council ezboard available to all BALPA members. If you're unable to access this (not a member) then I'm afraid that's one of the reasons why loyalty bonuses for SFO/FO will disappear after 2 years - not enough membership (just over 50%) to stand up and fight this mediocre offer from management.
I don't want to give the impression of 'sour grapes' but if most had joined up for the fight (as I did - £15/month as an FO for the 1st year), then the present pitiful offer would not have been 'recommended' by the council for sure!
Remember, any non-members who moan about any deal that is accepted - have only themselves to blame - and the only vote they have is with their feet!