25-2302, 2026 WL 2276867 (3d Cir. Millenium, 58 F.4th 93, 96 (3d Cir. 2023); Optum, 925 F.3d 129, 133 (3d Cir. 2019); Fischbein, 959 F.3d 559, 562 (3d Cir. Lincoln Benefit Life Co. v. AEI Life, LLC, 800 F.3d 99, 107 n.31 (3d Cir.