Anne received the following payments when she was seriously injured at her job. $18,000 disability pay. Anne had disability insurance provided by her employer as a nontaxable fringe benefit. Her employer paid $3,000 in disability premiums this year on her behalf. $5,000 received for damages for personal physical injury. $200,000 for punitive damages. What amount is taxable to Anne? $223,000 $23,000 $205,000 $218,000 $18,000