Abstract: A disposable article, such as a diaper, for absorbing and containing urine and other body exudates has an absorbent insert pad that may be flushed in a toilet. The article preferably includes a backing sheet and a bodyside liner that are substantially coterminous. In one embodiment of the invention, a secondary absorbent body, which is disposed between the backing sheet and the bodyside liner, has a pocket formed therein. The absorbent insert pad is positioned against the bodyside liner and located generally within the pocket. A cover is releasably attached to the bodyside liner to maintain the insert pad within the pocket.