accounting question

Chapter 15 gross income?

Julie lost a told in a car accident (on her own fault) that caused her to miss work for 6 months. The car accident was unrelated to her work. The accident and health insurance policy was, purchased (carried) by Julie's. The premiums paid by Julie's employer were $2,000. Julie received $6,000 on an income replacement policy purchased by Julie's employer. Finally Julie collected $30,000, a payment for loss of a hand, according to the insurance policy. How much should he included in Julie's gross income? Ben was diagnosed with a terminal illness (His physician estimated that Ben would live no more than 18 months). After he received the doctor's diagnosis, Ben canceled the life insurance policy and used the proceeds to enjoy the rest of his life. Ben had paid $12,000 premiums on the policy, and he collected $50,000. How much should be included m Ben's gross income