How to apply for social security when returned overseas Chinese are 55 years old? Why does social security say that it will take 15 years to get their money after paying enough premiums?

No, you have to pay 15 years to get the monthly pension.

For those less than 15 years, in case of retirement or accidental death, it is not cost-effective to return the money in the personal pension account to you at one time.

There is also a provision that when you retire at the age of 60, if the payment is less than 15 years, you can extend the payment for up to 5 years, and then enjoy the old-age insurance benefits at the age of 65.

So at the age of 55, you don't have to pay it. Deposit in a bank or buy a fund.