Funding Your Care

Expert lawyers specialising in funding your care

Expert lawyers specialising in funding your care

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.

Our clients rate us excellent

Shaun
We have just completed some legal paperwork with Mrs Isabel Figueiredo and as ever she provided a brilliant service. She explained everything and made sure that my wife and I understood before proceeding. I cannot recommend her enough and thank you again.
Sue Greenman

Everything was completed professionally and within my tight time scales. I would like to say thank you and would definitely go back to Goughs should I need help in the future.

Matt Saunders

Sophie was very attentive and responsive and understood the need to act quickly in regard to our purchase process. She was diligent with the paperwork and was very easy to talk to and clear at explaining what was required in terms of action from our side and from the seller.

Ali McBrine

Thank you Alice Blackmore for your fantastic professional support, with care, compassion and kindness, of our need for explanation and understanding of the system and language in a lot of correspondence. Thank you too for being always being honest and empathic of our feelings.

Mike Blunsdon

Ellie genuinely cared and was invested in her work which added that personal touch of understanding and empathy that is needed when it comes to sensitive family matters. Her dedication and hard work secured my family and I the best possible outcome we could have hoped for.

Andrew Alvis

Another well-managed transaction handled promptly and professionally by Nadine Cook and her team. We have used Goughs before, will use again and would not hesitate to recommend their services to anybody.

Jennifer Jay
Luchia was extremely professional yet relaxed in her approach. Her experience and knowledge were obvious and she was tactful to the extreme in some of our unconventional bequests and wishes during a Will making appointment.
Phil Carter

Goughs Solicitors provide a friendly, professional and extremely reassuring service. The whole team, especially Georgina Catlin, are empathetic and provide sound advice when required, you definitely feel you are in safe hands.

Your care planning team

Catherine Cole

Associate 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 Pettersen

Solicitor

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.

Specialist Will lawyers

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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