@plutarch I'm basically the opposite on that kind of thing, as in, I view rugged smartphone, tablet & laptop cases as accessibility aides that should be covered in the same category as canes & OTC drugs. If they help others that's fine too but the focus should be on giving those with the least the most help.
As someone with Tourette's and ADHD, yes. I hadn't thought of it until you mentioned it, but I think insurance should at least be willing to pay for a case for my phone. I wouldn't expect them, or even want them to buy the whole phone for me because that comes with obvious disadvantages. But I've dropped so many phones, so many times, and that will likely never end.
@plutarch An element of this is real & safe independent living, because yes in the USA there are used vehicles selling for under the maximum SSI savings amount of $2,000/person but to get such a vehicle modified, even with just a set of steps for a pickup truck to get in, nevermind a hand controller, would push that cost above what the savings maximum is & yet such things are needed.
Stair lifts & ramps similarly not exactly being cheap off the shelf items & yet they enable safety.