In any case, this is a very common problem. Before I address your question, let me suggest that in the future you refer relatives, coworkers, or relatives of coworkers to another DC when litigation may be involved. The reason for this advice is that you will always be accused of being partial and nonobjective with those patients. The question you ask is loaded and space will limit my answer. Ask for the consultant's name.
Some states have a requirement that the insurer provide it.
If you get it, call the consultant and find the basis of the opinion. Usually, they have seen only a partial set of records. Frequently consultants have no more to go on than the doctor's bills and diagnostic codes. Moreover, the consultant would charge the insurer more to review additional documents. We might also cynically suppose that the reviewer's opinions might not be as harsh if these additional records were reviewed.