It sounds like you are okay in the current scenerio.
Mostly I was just encouraging you to be clear on the w/c law with a lawyer if you reopen the w/c case. Reopening the case may turn out to be the best thing for you. I am just cautious because I know too many people in the never never land where neither insurance pays. But for other people on the boards it has worked out fine.
Ending up in this never never land seems from the cases I've seen to be some complex interaction of the w/c laws in your state, how your w/c settlement is written , your group or individual policy (or medicare if you end up disabled), the policies of your w/c carrier and to some extent what adjuster/defense lawyer/judge you get assigned. Hence my suggestion to see a lawyer before you decide.
If they do decide your back is work related if you reopen the case, I think your present private insurance will then try to collect for the treatment they gave you from w/c.
Sorry if I was overly alarmist.
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