diff --git a/changelog.d/2655.changed.md b/changelog.d/2655.changed.md
new file mode 100644
index 0000000000..4de5080dcd
--- /dev/null
+++ b/changelog.d/2655.changed.md
@@ -0,0 +1 @@
+Tested the Housing Benefit child disability premiums with a real pension-age claimant and child, deriving the 2021 cutoff from the claimant.
diff --git a/policyengine_uk/tests/policy/baseline/finance/benefit/family/housing_benefit/housing_benefit_child_disability_premiums.yaml b/policyengine_uk/tests/policy/baseline/finance/benefit/family/housing_benefit/housing_benefit_child_disability_premiums.yaml
index f7a768e019..78b17203da 100644
--- a/policyengine_uk/tests/policy/baseline/finance/benefit/family/housing_benefit/housing_benefit_child_disability_premiums.yaml
+++ b/policyengine_uk/tests/policy/baseline/finance/benefit/family/housing_benefit/housing_benefit_child_disability_premiums.yaml
@@ -1025,7 +1025,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1055,7 +1055,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1085,7 +1085,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1115,7 +1115,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1145,7 +1145,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1175,7 +1175,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1205,7 +1205,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1235,7 +1235,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1265,7 +1265,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1295,7 +1295,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1325,7 +1325,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1355,7 +1355,7 @@
     housing_benefit_eligible: true
     housing_benefit_pension_age_regulations_apply: true
     # The claimant attained State Pension age before 1 April 2021, so the
-    # higher pension-age personal allowance applies (SI 2021/188).
+    # higher pension-age personal allowance applies (SR 2021/70).
     housing_benefit_attained_pension_age_before_cutoff: true
     eldest_claimant_or_partner_age: 75
     is_single_person: true
@@ -1569,3 +1569,78 @@
         members: [parent, child1, child2, child3, non_dependant]
   output:
     housing_benefit_child_disability_premiums: 30 * 52
+
+# A real claimant aged 75 and a qualifying child aged 17, with no eldest-age or
+# cutoff override, so both are derived from the claimant. A man aged 75 in 2026
+# was born before 6 December 1953, so he reached State Pension age at 65
+# (Pensions Act 1995 Sch 4 para 1(1)), between 2015 and 2017 depending on his
+# birthday; from age alone the model places it on 6 April 2016. That is before
+# the 1 April 2021 cutoff (SI 2021/188), so the higher pension-age rate of
+# £256.00 a week applies.
+- name: Pension-age claimant and qualifying child, claimant listed first
+  period: 2026
+  absolute_error_margin: 0.02
+  input:
+    people:
+      claimant:
+        age: 75
+        is_male: true
+      child:
+        age: 17
+        is_child_or_young_person_for_legacy_benefits: true
+        dla_sc: 100
+        receives_highest_dla_sc: true
+    benunits:
+      family:
+        members: [claimant, child]
+        housing_benefit_eligible: true
+        housing_benefit_pension_age_regulations_apply: true
+        is_single_person: false
+        is_lone_parent: true
+        is_couple: false
+        benefits_premiums: 100
+    households:
+      home:
+        members: [claimant, child]
+        country: ENGLAND
+  output:
+    is_claimant_or_partner: [true, false]
+    eldest_claimant_or_partner_age: 75
+    housing_benefit_attained_pension_age_before_cutoff: true
+    housing_benefit_child_disability_premiums: 118.45 * 52
+    # £256.00 x 52 + £100 supplied premiums + £118.45 x 52.
+    housing_benefit_applicable_amount: 19571.4
+
+- name: Pension-age claimant and qualifying child, child listed first
+  period: 2026
+  absolute_error_margin: 0.02
+  input:
+    people:
+      child:
+        age: 17
+        is_child_or_young_person_for_legacy_benefits: true
+        dla_sc: 100
+        receives_highest_dla_sc: true
+      claimant:
+        age: 75
+        is_male: true
+    benunits:
+      family:
+        members: [child, claimant]
+        housing_benefit_eligible: true
+        housing_benefit_pension_age_regulations_apply: true
+        is_single_person: false
+        is_lone_parent: true
+        is_couple: false
+        benefits_premiums: 100
+    households:
+      home:
+        members: [child, claimant]
+        country: ENGLAND
+  output:
+    is_claimant_or_partner: [false, true]
+    eldest_claimant_or_partner_age: 75
+    housing_benefit_attained_pension_age_before_cutoff: true
+    housing_benefit_child_disability_premiums: 118.45 * 52
+    # £256.00 x 52 + £100 supplied premiums + £118.45 x 52.
+    housing_benefit_applicable_amount: 19571.4
diff --git a/policyengine_uk/variables/household/income/benefits_premiums.py b/policyengine_uk/variables/household/income/benefits_premiums.py
index 8bfdff9448..d3030731f2 100644
--- a/policyengine_uk/variables/household/income/benefits_premiums.py
+++ b/policyengine_uk/variables/household/income/benefits_premiums.py
@@ -11,7 +11,9 @@
 # Requirements) (England) Regs 2012 Sch 2 Part 3; the Scottish and Welsh
 # pension-age CTR schedules) have only the severe disability, enhanced
 # disability (children only), disabled child and carer premiums. The two
-# child premiums are not modelled.
+# child premiums are modelled for Housing Benefit only, by
+# housing_benefit_child_disability_premiums in the applicable amount;
+# Council Tax Reduction does not model them.
 PENSION_AGE_PREMIUMS = [
     "pension_age_severe_disability_premium",
     "carer_premium",