This year zach was injured in an auto accident. as a result, he received the following payments. zach received $18,000 of disability pay. zach has disability insurance provided by his employer as a nontaxable fringe benefit. zach's employer paid $4,300 in disability premiums for zach this year. zach's hospital bills totaled $4,500 and were paid by his health insurance. zach has health insurance provided by his employer as a nontaxable fringe benefit. zach's employer paid $6,250 in health insurance premiums for zach this year. what amount must zach include in his gross income? a. $4,500b. zero - none of these benefits is included in gross income. c. $10,550d. $22,500e. $18,000