help asap please!

Julie was suffering from viral infection that caused her to miss work for 90 days. During thc first 30 days ofhcr absence, shc received her regular salary of from her employer. For thc next 60 days, she received S 12,000 under an accident and health insurance policy purchad by her employer Thc premiums on the health inswance policy were excluded from her gross income. During the last 30 days, Julie reived On an income replacement policy she had purchased. Of thc S26.OOO shc received. Julie must include in gross income: O S6.ooo. O SS.ooo. O S20,ooo.