Abstract: An improved undergarment and a separation device for use with undergarments that are worn by persons afflicted with dual incontinence to separate urine and feces that collect in the undergarment. In one embodiment, the undergarment is provided with the separation device at or near the middle area of the inner layer of the undergarment to divide the inner layer into a front section and a back section. The separation device has a center divider that prevents migration and mixing of urine and feces. The upper surface of the center divider interconnects the undergarment and the wearer's body. The separation device can include a pair of wing members extending outward from the center divider that are configured to bend downward for positioning and to flex out against the wearer's legs to assist in holding the center divider in place. The separation device can also be utilized to retrofit existing undergarments.

Abstract: A method and system to allow workers' compensation carriers to identify reserve and subrogation funds that are available due to unreported settlements or other resolutions of third party claims filed by a workers' compensation claimant. The method includes the steps of selecting pre-defined categories of workers' compensation claims to review for possible reserve and subrogation funds, reviewing the carrier's data to identify those claims that fit within the selected categories, obtaining responses for each of the identified claims by use of form interrogatories transmitted to the claimant and/or information from private or public files or databases, analyzing the responses to separate them into appropriate responsive categories and then using the response information to identify any available reserve and subrogation funds. The information obtained from the responses is used to reduce the carrier's reserve fund requirement, to reduce or stop payments to claimants or for other uses beneficial to the carrier.

Abstract: A method and system to allow workers' compensation carriers to quickly and without significant expense identify reserve and subrogation funds that are, heretofore unbeknownst to the carrier, available due to unreported settlements or other resolutions of third party claims filed by the workers' compensation claimant. The method includes the steps of selecting categories of claims to review for possible reserve and subrogation funds, reviewing the carrier's data to identify claims that fit within the selected categories, transmitting form interrogatories to the claimant(s) in each of the identified claims, collecting information from the responses to the interrogatories, analyzing the responses to separate them into appropriate responsive categories and then using the response information to identify available reserve and subrogation funds.