Oh dear, this is a difficult one isn't it? From what you have said, your friend could be suffering from some sort of social anxiety after being in lockdown after losing her Mother. The trouble is, the less she mixes, goes out, the harder it will be for her, and to be perfectly honest, from what I have heard and read about claims for Universal Credit, she is unlikely to be successful in using it to bridge her leaving work and claiming her state retirement pension. Many women of her age are exhausted from looking after elderly parents, grandchildren, and working; it doesn't make it right, but she is not alone.