The
answer may be one of two things: 1) Your employer may not be aware of the difference between the two types of
benefits OR 2) Your employer could be trying to pull the wool over your eyes — by having you make a claim under your personal STD policy (remember YOU pay for this and it is usually much less money and no medical
benefits), instead of filing a claim for workers» compensation
benefits against the company's insurance policy (the policy the employer pays for) it saves the company money (filing a claim will increase their premiums).