A generalized finite element beam with an embedded rotation discontinuity coupled with a 3D macroelement is proposed to assess, till complete failure (no stress transfer), the vulnerability of symmetrically reinforced concrete frame structures subjected to static (monotonic, cyclic) or dynamic loading. The beam follows the Timoshenko beam theory and its sectional behavior is described in terms of generalized forces and generalized strains. The beam response up to the peak is described by a macroelement, based on plasticity theory, that adopts a 3D failure criterion expressed in terms of axial force, shear force and bending moment. The Embedded Finite Element Method is then adopted to reproduce bending dominated failure, with a global cohesive model that links the cohesive moment to a rotational jump. The formulation allows for remedy of localization phenomena and significant reduction of the necessary computational time. The performance of the proposed simplified strategy is illustrated by comparison with experimental results.