Risk Management

The Million-Dollar Mistake: Why Your Stretch and Flex Program Could Bankrupt Your Company

An aging workforce + poorly executed exercises + pre-existing conditions = a workers' compensation disaster waiting to happen

EHSINDEX Team
December 2024

Every morning, thousands of construction crews, warehouse workers, and manufacturing teams gather in parking lots and break rooms for their daily "stretch and flex" routine.

It feels safe. It looks proactive. Management loves it because it shows they care about injury prevention.

But here's what nobody is talking about: That well-intentioned five-minute routine could be the most expensive liability sitting in your safety program right now.

The Perfect Storm: Why Stretch & Flex Is a Ticking Time Bomb

America's workforce is older, sicker, and more medically fragile than ever before. When you combine mandatory pre-shift exercises with this reality, you're not preventing injuries—you're creating compensable workers' compensation claims.

Three Factors Creating Catastrophic Exposure

1

An Aging Workforce with Degrading Bodies

The average age of skilled tradespeople in construction, manufacturing, and heavy industry is climbing rapidly. Many of your most experienced workers are in their 50s and 60s.

These workers often have:

  • Degenerative disc disease
  • Rotator cuff tears (symptomatic or asymptomatic)
  • Arthritis in knees, hips, shoulders
  • Prior back injuries
  • Chronic pain conditions
  • Mobility limitations

When you mandate that 58-year-old ironworker with a bulging L4-L5 disc to perform deep trunk twists and toe-touches before his shift, you're not warming him up—you're lighting the fuse.

2

Poorly Designed, Unqualified Stretch Routines

Most stretch and flex programs are not designed by licensed physical therapists, sports medicine physicians, or kinesiologists. They're often:

Copied from YouTube videos

Implemented by well-meaning but unqualified supervisors

Never vetted by medical professionals

Applied universally without individual assessment

The Result?

Workers with zero flexibility are forced into ballistic stretches. Employees with shoulder impingement are told to do overhead reaches. People with lumbar stenosis are bending and twisting before their bodies are ready.

3

More Than Half Your Workforce Has Pre-Existing Medical Conditions

According to the CDC, 60% of American adults have at least one chronic disease, and 40% have two or more.

This means your workforce likely includes:

Diabetics with neuropathy
Workers on blood thinners
Employees with herniated discs
People with cardiovascular issues
Workers recovering from surgeries
Employees with chronic joint pain

Every single one of them is a potential compensable injury waiting to happen the moment they participate in your mandatory stretch routine.

The Legal Nightmare: How Stretch & Flex Becomes a Workers' Comp Claim

Here's the scenario that plays out in workers' compensation courts every single week:

1

Day 1: A 54-year-old equipment operator shows up to work. He's been living with mild lower back pain for years (degenerative disc disease, though it's never been formally diagnosed).

2

6:55 AM: The site superintendent leads the crew through the daily stretch routine. "Bend down and touch your toes. Hold it. Now twist left, twist right. Good. Now reach up high."

3

7:00 AM: During the trunk twist, the operator feels a sharp pop in his lower back. Pain shoots down his leg. He winces but finishes the stretch because it's mandatory.

4

7:05 AM: He reports to his supervisor. "I think I hurt my back during stretch."

5

Day 2: He files a workers' compensation claim.

Why This Claim Will Be Accepted

The injury occurred on company property during a company-mandated activity

It happened during work hours, before the official start of the shift but as part of required pre-work protocol

Participation was not voluntary—it was a company policy

The worker reported the injury immediately and can identify the exact moment it occurred

There may be witnesses who saw him grimace or stop mid-stretch

The Aggravation Argument

Even if the worker had a pre-existing condition (and most do), workers' compensation law in most states follows the "aggravation rule": if a work activity aggravates, accelerates, or combines with a pre-existing condition to cause injury or disability, it's compensable.

What This Will Cost You

Immediate Medical Treatment

Emergency room visit, MRI, specialist referrals: $5,000–$15,000

Ongoing Treatment

Physical therapy, pain management, injections: $20,000–$50,000

Lost Time / Wage Replacement

If the worker is off for 6–12 months: $30,000–$60,000

Permanent Partial Disability Award

Common in back injury cases: $50,000–$150,000

Vocational Rehabilitation

If they can't return to their prior role: $25,000–$75,000

Legal Fees & Defense Costs

If the case goes to hearing: $15,000–$50,000

Total Potential Cost Per Claim:

$145,000 – $400,000+

And that's just one claim. If you have 200 employees doing daily stretches, how many claims are you one awkward twist away from?

Why Most Companies Are Blind to This Risk

1. "It's Always Been Done This Way"

Stretch and flex programs became popular in the 1990s and early 2000s when the workforce was younger and healthier. The 45-year-old worker in 2000 is not the same as the 55-year-old worker in 2025 with metabolic syndrome, pre-diabetes, and 30 years of wear on their joints.

2. "We Have a Waiver"

Many companies require workers to sign a waiver acknowledging they're participating voluntarily. This provides almost zero legal protection.

Why waivers fail:

  • Workers' compensation is a no-fault system—waivers can't override statutory rights
  • If participation is expected or encouraged by management, it's not truly voluntary
  • Courts routinely find these waivers unenforceable in workers' comp cases

3. "It Reduces Injuries"

The evidence is weak at best. While some studies suggest stretching may reduce certain types of soft tissue injuries, there's limited peer-reviewed evidence that mandatory group stretch programs actually prevent workplace injuries in heavy industry.

What does reduce injuries: proper ergonomic design, adequate staffing, equipment maintenance, task rotation, and workforce competency verification.

4. "Our Insurance Carrier Requires It"

Some insurers push stretch and flex programs as part of loss control. But if that program creates claims instead of preventing them, your Experience Modification Rate (EMR) will spike—and your premiums will follow.

Ask your carrier: "How many stretch-related workers' comp claims have you seen in the past five years?" The answer might surprise you.

What You Should Do Instead

If you're serious about injury prevention without creating compensable workers' comp claims, here's the smarter approach:

1

Make Stretching Truly Voluntary

Offer stretching as an optional wellness activity—not a mandatory pre-shift requirement.

  • No attendance tracking
  • No supervisor participation requirements
  • No consequences for non-participation

If it's truly voluntary, you reduce (but don't eliminate) compensability risk.

2

Get Professional Guidance

If you insist on having a stretch program, hire a licensed physical therapist or occupational health specialist to:

  • Design job-specific, low-risk stretches
  • Provide alternatives for workers with limitations
  • Train supervisors on proper execution and contraindications
  • Conduct pre-participation health screenings (with medical clearance)
3

Focus on What Actually Works

Instead of stretching theater, invest in proven injury prevention strategies:

Ergonomic Tools & Equipment

Adequate Staffing Levels

Task Rotation Programs

Preventive Maintenance

Skills-Based Training

Competency Verification

4

Document Everything

If you continue your stretch program, create an ironclad paper trail:

  • Medical professional's written approval of the routine
  • Signed acknowledgments from employees (updated annually)
  • Documentation of alternative exercises offered
  • Training records for those leading the stretches
  • Incident reports for any stretch-related complaints

The Bottom Line

Stretch and flex programs were created with good intentions. But good intentions don't win workers' compensation hearings.

In 2025, with an aging workforce, skyrocketing rates of chronic disease, and poorly designed exercise routines being led by unqualified supervisors, these programs have become massive liabilities disguised as safety initiatives.

Every mandatory stretch is a gamble. Every trunk twist on a 55-year-old body with degenerative discs is a coin flip. Every overhead reach by someone with rotator cuff damage is a potential six-figure claim.

And when that claim hits, the cost won't just be financial—it'll impact your EMR, your insurance premiums, your reputation, and your ability to retain skilled workers.

The question isn't whether stretch and flex programs can cause million-dollar claims.

The question is: How many claims will it take before you stop?

Want to reduce injuries without creating compensable claims?

Focus on competency, not calisthenics. Verify your team's regulatory knowledge with EHSINDEX.

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