If a beneficiary protests the repayment of an arrearage, inform RRB to offer the option
                  of paying in installments. Also, tell RRB that if the beneficiary refuses any type
                  of repayment, action must be taken to recover the premiums. If the beneficiary is
                  in current pay, the amount should be deducted from benefits. If the beneficiary is
                  being billed for premiums, tell RRB to send a bill in the amount of the arrearage.
                  RRB should notify the beneficiary of any actions it is taking as described in the
                  various situations in HIIM 1085 (e.g., HIIM 1085.07, HIIM 1085.10, and HIIM 1085.12).
                  It will be necessary to describe to RRB what to tell the beneficiary since they do
                  not have access to the HIIM.