Within five business days, the insurer must send to the IRO:
all relevant medical records and other documentation used in making its decision
all documentation you sent to support your request
The IRO then has five business days to request any additional information it may need from the insurer or you, and no more than 30 business days to make its decision.
If the IRO determines this time could jeopardize your life or health, the insurer must send its documentation within one day and the IRO then has two business days to request any additional information. The IRO must notify you and the insurer of its decision no later than 72 hours after receiving the review request.