We got a payment in 2023 for our Cancer policy. But to our surprise got no 1099 from the company for the amount they paid out. The premiums were paid with Pre-taxed dollars, so I was expecting a 1099 but never got one. How do I handle this? Also, if I report this as income, can I also deduct the amounts we used for treatment and Travel directly against this income? A large portion of what we were paid was against direct bills we got from the doctor/Hospital. I normally do not itemize and take the standard deduction.