Right, unless you get a medical redshirt for one of the seasons, you have 5 years to complete 4 years of eligibility. A distance runner could redshirt a different season over 3 years between cross country, indoor, and outdoor.
Once an athlete starts college, the 5 year clock starts, and doesn't stop except for medical reasons (Katy Doyle missed a couple of seasons for Tommy-John surgery, but came back with one year left due to her medical redshirt and won NCAAs in the javelin), military obligations, or mission trips (BYU typically has 23-24-25 year olds on their team).