Bill was severely injured when he was hit by a car while jogging. He spent one month in the hospital and missed three months of work because of the injuries. Total medical costs were $60,000. Bill received the following payments as a result of the accident:

His employer-provided accident insurance reimbursed him for $48,000 of the medical costs and provided him with $3,800 in sick pay while he was out of work.

A private medical insurance policy purchased by Bill paid him $12,000 for medical costs.

His employer gave Bill $6,000 to help him get through his rehabilitation period.

A separate disability policy that Bill had purchased paid him $4,000.

How much gross income does Bill have as a result of the payments received for the accident?