Valentino is a patient in a nursing home for 62 days of 2020. While in the nursing home, he incurs total costs of $28,272. Medicare pays $16,963 of the costs. Valentino receives $31,099 from his long-term care insurance policy, which pays while he is in the facility. Assume that the Federal daily excludible amount for Valentino is $380.

Of the $31,099, what amount may Valentino exclude from his gross income?