Substitute T v. Bench T

[PIAA REF]

We were discussing this the other night at our chapter meeting. I wanted to get your guys opionion. The situation came up about when to assess a indirect T to the coach for a player coming onto the floor during either a live ball or without being beckoned onto the court. If you look in the back of the rules book (pg 73 I think) it has both a substute T area and a Bench personal area. They both mention entering the game. What is the difference? Also I thought at first that a person at the table (waiting to check in) was considered a "substitute". But then I thought if he would swear at you as you pass that the coach still should be held respnsible so he would be bench personal. It just seems that there is a gray area here. Let me know what you all think and I will let you know what our chapter decided.

Thanks