I'm a bit confused over what is the question here.

"I did enter the 1095 and it does show the client qualifying for the PTC"

Okay, then.

For 2020, it's moot now that they are covered by an employer plan.

And even if a navigator helped them, their application still exists with the Marketplace. If they never had a log in, then they should use their phone access to reach a person who can look up that application, if it matters now. For 2019, there is reconciliation for what happened in reality.