<textarea> WYSIWYG? WYSIWYG JavaScript .
Have you tried it in different browsers? It could be a bug with a specific browser. Also, try setting the headers in PHP instead of the meta tag, as your server may send conflicting headers.
header('Content-Type: text/html; charset=utf-8');
What happens if you save the $ _POST data to a file? Does the encoding look normal?
file_put_contents('post.log', print_r($_POST, true));
Then, what happens if you copy text from Word to a text file and paste the contents of the file into the database?
$db_query = 'INSERT INTO table SET col="' . mysql_real_escape_string(file_get_contents('input.txt')) . '"';
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