Cynthia was seriously injured at her job. As a result of her injury, she received the following payments: $15,000 disability pay. Cynthia has disability insurance coverage provided by her employer as a nontaxable fringe benefit. Cynthia's employer paid $5,000 in disability premiums to cover Cynthia in case of a disability that would prevent her from earning income. $10,000 awarded under a workers compensation policy. What amount is taxable to Cynthia?