member who is being retired or separated for disability. (3) Determination of duration of service For purposes of calculating the days of active duty of a member under paragraph (1), the Secretary concerned shall exclude any day as follows: (A) Any day on which the member performed full-time training duty or annual training duty. (B) Any day on which the member attended, while in the active military service, a school designated as a service school by law or by the Secretary concerned. (d) Commencement and completion (1) Commencement Except as provided in paragraph (4), the furnishing of covered counseling, information, and services to a member under the program under this section shall commence not later than one year before the date of anticipated retirement or separation of the member from the armed forces. (2) Completion Except as provided in paragraph (4), the furnishing of covered counseling, information, and services to a member under the program shall be completed as follows: (A) In the case of a member retiring from the armed forces, by not later than 120 days before the date of retirement. (B) In the case of a member otherwise separating from the armed forces, by not later than 90 days before the date of separation. (3) Construction Nothing in this subsection may be construed to prohibit the furnishing of covered counseling, information, and services to a member under the program, or other counseling, assistance, and information and services similar to covered counseling, information, and services, at times other than the times provided for by paragraphs (1) and (2). (4) Unanticipated retirement or separation in connection with preseparation counseling In the event that a retirement or other separation from the armed forces is unanticipated until there are 90 or fewer days before the anticipated retirement or separation date, or in the event a member of a reserve component is being demobilized under circumstances in which (as determined by the Secretary concerned) operational requirements make the