As
@Just a Parent pointed out, protecting a sensitive area in a reactionary manner is not deliberate handling under the USSF/IFAB rules. Also note that US Soccer issued a 2009 directive (
https://www.massref.net/ussfdirectives/Handling_the_Ball.pdf) that acknowledges "The referee must take into consideration whether the defender’s reaction is purely instinctive, taken to protect sensitive areas of the body as the face."
There are 5 primary considerations:
1. Did the player make themselves bigger?
2. Was the players hands/arms in an unnatural position?
3. Did the player/or his team benefit?
4. What was the reaction time? [this is where protecting a sensitive area, such as, face comes in]
5. Was it hand to ball or ball to hand?