I would like for 13 to be answered as well, thank you.

Please answer questions 11 and 12 as they relate to each other. 11. Libby earns $55,000 per year at her financial planning firm. Her employer has made a disability insurance arrangement available to all employees. $600 worth of pre paid on Libby's beh includes $55,600 in income as her disability benefits be taxable? Please explain. (1pt) miums are alf each year by her employer to the insurance company, and Libby wages for the year. If Libby becomes disabled, will her 12. If Libby only includes $55,000 in income as her wages for the year, will her disability benefits be taxable if Libby becomes disabled? Please explain. (1pt) 13. Sally is 68 years old and lives in an assisted living community. Sally receives $450 per day of benefit payments under her qualified long-term care insurance policy to help pay for nursing care. This year, she received 3 months of periodic long-term care insurance payments ($40,500 total). How much of her total benefits are included in her gross income? 2nte