An incontinence garment assembly includes a band forming a closed loop. The band has an upper edge and a lower edge. A panel is attached to the bottom edge and extends downwardly therefrom. The panel has a distal edge and a pair of lateral edges. The panel is comprised of an absorbent material. The absorbent material includes a plurality of layers and the plurality of layers includes an outer layer is fluid impermeable. Each of a pair of straps has a first end attached to the band and a second end attached to the panel adjacent to the distal edge. The panel is positioned between the straps.
