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Ha, ha, quant corollary of always having a typo when correcting someone else's grammar.
$15,600 * 10 = $156,000
$15,600 * 20 = $312,000
If you've only been paying in for 10 years, however, I'd expect the yearly average to be much less than $4k.
Even if it were $4k per year, however:
$4,000 * 9 = $36,000. $36,000 + $75,000 = $112,000
So, with 10 years of pay-in, you paid $156,000 plus whatever that money could have earned for $112,000 worth of healthcare and then only with the freakish need for first class airfare from China for a mere broken ankle.
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