The claimant sought entitlement to the cost of an EMG study. Adjudicator Hines concluded that the insurer’s section 38 notice was non-compliant because it was too vague. However, the EMG study had been incurred 10 days (rather than 10 business days) after submission of the OCF-18. Because it was incurred too soon after submission of the OCF-18, it was not payable under section 38(11)(2).