The phrase "open enrollment" has different connotations, depending on whom you ask. For brokers, the two words likely bring to mind a few months filled with teetering towers of paperwork, a flood of questions and phones ringing off the hook. But at least there's a silver lining: It's good for business.

For consumers, the words have even less pleasant associations. Despite concerted efforts by carriers, employers and long-suffering HR departments to shift stubbornly negative views, open enrollment season remains … less than popular.

A recent survey by VSP uncovered just how much people dread it. HR managers, you might want to cover your eyes.

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Paul Wilson

Paul Wilson is the editor-in-chief of BenefitsPRO Magazine and BenefitsPRO.com. He has covered the insurance industry for more than a decade, including stints at Retirement Advisor Magazine and ProducersWeb.