Abstract The guidance on the effects of vibration on health in standards for whole-body vibration (WBV) does not provide quantitative relationships between WBV and health risk. The paper aims at the elucidation of exposure–response relationships. An analysis of published data on the static and dynamic strength of vertebrae and bone, loaded with various frequencies under different conditions, provided the basis for a theoretical approach to evaluate repetitive loads on the lumbar spine (“internal loads”). The approach enabled the calculation of “equivalent”—with respect to cumulative fatigue failure—combinations of amplitudes and numbers of internal cyclic stress. In order to discover the relation between external peak accelerations at the seat and internal peak loads, biodynamic data of experiments (36 subjects, three somatotypes, two different postures—relaxed and bent forward; random WBV,aw, r.m.s. 1·4 ms−2, containing high transients) were used as input to a biomechanical model. Internal pressure changes were calculated using individual areas of vertebral endplates. The assessment of WBV was based on the quantitative relations between peak accelerations at the seat and pressures predicted for the disk L5/S1. For identical exposures clearly higher rates of pressure rise in the bent forward compared to the relaxed posture were predicted. The risk assessment for internal forces considered the combined internal static and dynamic loads, in relation to the predicted individual strength, and Miner's hypothesis. For exposure durations between 1 min and 8 h, energy equivalent vibration magnitudes (formula B.1, ISO 2631-1, 1997) and equivalent vibration magnitudes according to formula B.2 (time dependence over-energetic) were compared with equivalent combinations of upward peak accelerations and exposure durations according to predicted cumulative fatigue failures of lumbar vertebrae. Formula B.1 seems to underestimate the health risk caused by high magnitudes, formula B.2 is recommended for the evaluation of such conditions.