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The client should just file the Turbotax return. Whatever she paid will be credited to her. It doesn't matter what is on the return. I have seen this with a few self-prepared returns where the estimated payment amount on the return was incorrect.

Without loopholes, where would the tax prep/interp/advice industry be?

If they are "related", it looks like reg § 1.414(c)-1 would apply:

SS WH, for instance, if someone earned enough to go over the limit at one job, then get/have another job in the same year, the second employer MUST still WH SS based on their own YTD for the employee. It is up to the employee to get credit/reimbursed. Meaning there is nothing an employee can say to employer 2 to have them stop SS WH even if they have gone over the required amount for the year because of other employment. I suspect retirement is similar in that one employer has no responsibility or ability to monitor any other employer, so in the case of retirement, if the plans allow, the employee can elect to manage their contributions/matches in such a way as to not go over the limit in total. If the employee goes over the limit, it is up to the employee to handle the issue, not the employers. Of course, the employee would be wise to contribute as much as they can if one has more matching funds, or to split it evenly if both have similar matching funds (as a kindness to both employers).

Does anyone have any experience with protection plus? Seriously considering the firm level coverage but wanted to reach out and see if anyone has actually had any experience using them to resolve client issues and if so was the experience good, bad or ugly? Thanks!

Post the amount paid on Schedule 3 Part II Line 13 z, assuming she has some proof of payment.

It sounds like the following would be true for an employee who switched jobs during the year: If employee's annual addition was maxed out at $69,000 with first employer plan. Then he takes a job with an employer unrelated to the first. The employee cannot make any contributions to the new E'R plan for the year, but looks like 2nd employer could contribute the full $69,000 annual addition under his plan. Maybe I am missing something?