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The difference between 40% and 60% social security
That is, 40% and 60% of the payment base. 60% payment is definitely 20% higher than 40% payment. This is obvious. You can't read the percentage figures there.
The principle of social security is: pay more, pay more for a long time, and reap what you sow. This is the biggest difference.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
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