Abstract: A composite absorbent article is described having a plural layer absorbent core comprising a bonded insert pad and a dispersion pad. The insert pad preferably comprises binder coated fibers to which superabsorbent particles are adhered. By using heat fusible binders, a heat bonded superabsorbent containing insert pad is provided. The dispersion pad also typically comprises fibers and enhances the wicking of liquid throughout the insert pad. In addition, the insert pad may be bound to the dispersion pad at the interface between the pads to provide a stronger composite structure and to also entangle the fibers of the two pads at their interface to improve the wicking of liquid from the dispersion pad into the insert pad. In addition, hydrophilic fibers may be included in the insert pad to enhance the wicking of liquid into the insert pad. The use of surfactant materials in the binder enhances the vertical wicking characteristics of the composite pad.