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).
This is normally used in the instances of policies which cover disability, life or health
insurance so that a policy holder can be guaranteed ongoing coverage even if they should later develop a condition or conditions that
increase the risk exposure of the
insurance company to make payments
against claims, or even if it guarantees that the insurer will have to make a payment of a benefit.