This year Zach was injured in an auto accident. As a result, he received the following payments. Zach received $18.000 of disability pay. Zach has disability insurance provided by his employer as a nontaxable fringe benefit. Zach's employer paid $4,300 in disability premiums for Zach this year. Zach's hospital bilis totaled $4.500 and were paid by his health insurance. Zach has health insurance provided by his employer as a nontaxable fringe benefit. Zach's employer paid $6,250 in health insurance premiums for Zach this year. What amount must Zach include in his gross income? Multiple Choice O $22.500 $18.000 O $4.500 $10.550 $o-none of these benefits are included in gross income