21. Bahri is injured and receives $20,000 of income from a disability policy. Bahri's employer paid 80% of the disability policy premiums and Bahri paid the remainder. In addition, Bahri's employer has paid all the $4,200 of premiums on a health policy that paid Bahri's doctor bills of $5,000. How much of the benefits must Bahri include in income? A) $0 B) $16,000 C) $20,200 D) $25,200