Early in the year, Marcus was in an automobile accident during the course of his employment. As a result of the physical injuries he sustained, he received the following payments during the year:
Reimbursement of medical expenses paid by a medical insurance policy Marcus purchased - $7,000
Damage settlement to replace his lost salary - $6,000

What is the amount that Marcus must include in gross income for the current year?
a) $20,000

b) $13,000

c) $7,000

d) $6,000

e) $0