Don't know if I'm reading this correctly....
Do you mean that employees who have less than 1 years service get the 1 day per month, otherwise they get the days per full year as you have defined?
If so try this formula
=IFERROR(LOOKUP(DATEDIF(C9,B4,"y"),{1,5,10,18;10,15,20,25}),MIN(10,DATEDIF(C9,B4,"m")))
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