Problem 5-40 (Algorithmic) (LO. 2) Betsy spent the last 85 days of 2020 in a nursing home. The cost of the services provided to her was $27,625 ($325 per day). Medicare paid $5,600 toward the cost of her stay. Betsy also received $15,080 of benefits under a long-term care insurance policy she purchased. Assume that the Federal daily excludible amount is $380. If the amount is zero, enter 0. What is the effect on Betsy's gross income? The amount of her exclusion is $ 26,700 and the amount included in her gross income is $