Funding Your Care

Expert lawyers specialising in funding your care

Care Planning

Funding your care

What should you consider?

It’s important to have the right specialist advice, whether it’s to help navigate the complex and sometimes daunting issues of care costs and choosing a care home or understanding the legal issues around Wills, Trusts and Lasting Powers of Attorney.

We have expert lawyers specialising in continuing care and can give you the legal advice you need to navigate the UK’s complex elderly care system.

How can Goughs help with care home fees?

The rules around care funding can be complicated. It is vital that the correct processes are followed to ensure the person needing care receives the full benefit of any help they may be entitled to. Goughs can provide advice on what assessments are required and can also assist with the completion of care funding applications.

Don't risk your
family's inheritance

Specialists in elderly care

Popular questions
about care fee funding

If you have capital of more than £23,250 you will generally be liable to fund your own care. We can advise you on what is taken into account in any financial assessment including income and what can be disregarded.

For more information about care fee funding, please click here.

There are a variety of reasons why you must be very careful if you want to make large gifts at a time when you might be in need of care. We can explain the risks involved to prevent repercussions in the future.

The average long term care is currently around £50,000 per year

a) Lasting Powers of Attorney

b) Wills

c) Tax planning

Being prepared for the future is key. We can help advise you on making your Will but can also advise on and prepare Lasting Powers of Attorney to ensure that your finances can be dealt with if you are incapacitated. For those who have a larger estate we can also advise on tax planning either through your Will or through lifetime giving.

In certain circumstances, a property belonging to someone who has entered care can be disregarded but there are strict rules around this. We can tell you whether or not your home would be included within a financial assessment.

Unless you pay for your own care, you will generally rely on financial assistance from the local authority. In some instances it may be necessary for a friend or relative to make a contribution to your care costs.

If your capital falls below £14,250 the council will fully fund any short fall after taking into account what you can contribute through your income. Depending on the care contract and care provider there could be issues with your care continuing at that care home.

This is the term used to explain a deliberate act in which assets are transferred or given away to prevent them from being taken into account when assessing liability for care fees. To find out more, please click here.

Unlike the seven year rule with inheritance tax, there is no set period after which gifting of assets is “safe” from being classed as a deprivation of assets. The local authority will carefully look at any such transactions and will look at the reasoning behind this gifting. If they believe that this has been done to avoid care home fees then the onus is on you or your family to prove otherwise.

We are specialists in elderly and future planning with a long established reputation in Wiltshire.

Our specialist team includes lawyers belonging to Solicitors for the Elderly who are also Dementia Friends or Dementia Champions.

How much does it cost to make a Will?

Pricing for a single Will

Starts from £xxx

Pricing for multiple Wills

Starts from £xxx

Pricing for a joint Will

Starts from £xxx

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Your care planning team

Catherine Cole

Private Client Practitioner

Following a career in hospitality, Catherine began working in private client law in 2002. She joined Goughs in 2017 and within 2 years she was promoted to an Associate

Maxine Coles

Associate Chartered Legal Executive

Maxine specialises in Private Client work, with much of her work being in elderly client care. She has a natural empathy towards clients in what can often be distressing situations.

Samantha Cory


Samantha joined Goughs as a Solicitor in 2020. Samantha has been practicing in Private Client law since 2018, and loves the personal interaction with clients and being able to help them with difficult personal and emotional circumstances.

Trish Watkins

Senior Associate (CILEx)

As a Private Client lawyer, Trish always had a strong empathy for the elderly and vulnerable and prides herself in being able to engage with them and support them through what can be very difficult times.

Why work
with Goughs?

Local since 1882, with an excellent reputation

First-class, effective service

Largest solicitors in Wiltshire

Seven offices throughout the county

Nationally accredited law firm

Recognised by Legal 500 and Chambers & Partners

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