Can individuals really not apply for retirement when they participate in endowment insurance?

That's not true. Conditions for medical retirement:

1 employees of legal enterprises in China: those who are engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health (called special jobs), and their retirement age is 55 years old for men and 45 years old for women.

(2) disabled due to illness or non-work-related disability, certified by the hospital and confirmed by the labor appraisal committee, the retirement age is 50 years for men and 45 years for women.

3. It is good to apply for retirement directly when the age of special jobs is up.

4. If there is no unit, go to the social security center. Local policies are different.