Abstract: A personal flotation device is formed with a neck opening defined by a plurality of discrete lobes projecting in toward the inside of said neck opening and including a chin lobe that is positioned to engage the underside of the chin of a user when device is in operative position on said user and inhibit removal of said device over the head of the user. The chin lobe is spaced from adjacent portions of adjacent said lobes to provide spaces therebetween to facilitate donning and doffing of said device when said chin is aligned with one of the spaces. The device is also preferably provided with cover panels that releasably connect together around their peripheries so that the edges of the bladder contained between the cover panels may be folded and retained in folded position when the sides of the over panels are connected.