Brace yourself. It's almost that time of year when many of youare scared out of your minds and deathly afraid of things that gobump in the night.

Appropriately enough, open enrollment begins on the day afterHalloween. Human resources professionals will be squeezed amongbrokers loading them with information, management determined tohold the line on expenses and employees trying to figure out whatit all means. No wonder so many of them will feel like zombies whenit all ends next Jan. 31.

After Labor Day, most employees are energized from their summervacations, are back into a routine with their kids in school andare looking forward to football and the upcoming holiday season.Then they see re-enrollment approaching like a freight train.

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