Your description suggests you should be using Word's captioning function (References|Caption>Label:Equation) and, if you use first & second-tier multilevel list numbers for the chapter & section, specifying the second-tier Style for 'Chapter starts with Style' option in the aforementioned dialogue, that will give you a chapter, section, & label combination.
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Cheers,
Paul Edstein
[Fmr MS MVP - Word]
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