There is quite an ambiguity in how you need a fit-note depending on what you are claiming. If it is covid related, you do not need a fit-note.
But you still claim universal credit and you get a payment depending on how long you isolate or in hospital.
At the moment if it is only universal credit you do not need to send a fit-note, you keep them until asked for them.
If you are claiming the new ESA payment, you send a photo of your fit-note to them, the same for other benefits depending on your circumstances.
Universal credit is designed to confuse and be difficult to get the benefits you are entitled to. The new system means you must deal with not only your local job centre, but depending on your benefit claims, many centres around the country. There are strict protocols on how you claim and if anything is not completely honest, you are liable to be without any money at all, the message I see most of is if anything in your circumstances change you must inform them immediately.
There is a six weeks wait for any money, and you, now if married have a joint claim and journal details to log.
I had to fill in a health report assessment form, if I needed to have an assessment done for my claim, it was very intrusive and and very thick, mainly due to having to explain diagnosis and having other conditions, I also had to send reports from my doctor and my endocrinologist.
I have had no appointment yet!
My universal credit coach is very thorough and has the questions and experience with people who have anxiety and depression. However those from around the other centres are not so understanding.
Because of my anxiety, the experience of trying to claim has been totally horrible, I had to have help from one of the family who has experience with claims.
The system is flawed and confusing, I would believe that the system is for helping people who have fallen into hard times or has become too ill to work and of course the old and disabled. The impression is that the system is designed to not help you get what you are entitled to.