As I said never done this, but it should be possible to do without UMAT.
When the element has reached damaged and evolved the damage, then finally this element can be removed (*section controls, element deletion=yes - from the GUI this is selected in the element type in the mesh module - i believe if damage is defined in the properties, then the element will be deleted - in order to remove from the mesh in the post-processor, the status needs to be requested as result output).
This videos below shows how to do all this (again as in the previous post, it is important to get material data from tests, and of course to tune and verify the FEA model to tests).