How are eligibility periods calculated: calendar year, civil year, or rolling months?

A calendar year refers to the fixed period from January 1 to December 31. This is the most common definition and is widely used for insurance, benefits, and many internal policies.

A civil year is essentially synonymous with a calendar year: it follows the traditional January 1 to December 31 cycle. The two terms are often used interchangeably.

Rolling months work differently: this is a moving period calculated from a specific date. For example, if a benefit is based on 12 rolling months and you submit a claim in April, the eligible period will be from April of the previous year to April of the current year. The window shifts continuously based on the date of the request or event.