a separating liner assembly having a top entry opening and a pair of foot exit openings, the separating liner assembly including;

first and second separating liner members joined together, each liner member including a leg encircling section with one foot exit opening and a separating torso covering section containing a portion of the entry opening, the separating torso covering sections joined to form the entry opening by two separating zipper assemblies in series, each separating zipper assembly having a first zipper section secured to the torso covering section of one liner member, a second zipper section secured to the torso covering section of the other liner member, and a zipper slide member secured to one zipper section for engaging and disengaging the first and second zipper sections of each separating zipper assembly; and

each zipper assembly including a pull cord member fastened at a first end to the zipper slide member and anchored at a second end to the torso covering section having the one zipper section containing the zipper slide member, adjacent the entry opening of the separating liner assembly, the zipper sections disengaged with the zipper slide member moved to the second, anchored end of the pull cord member and engaged with the zipper slide member moved away from the second, anchored end of the pull cord member;

whereby an individual wearing the removable liner assembly with the two separating zipper assemblies engaged, beneath a pair of pants, disengages each separating zipper assembly by pulling the pull cord member from the second, anchored end thereof, thereby separating the zipper sections and the first and second liner members, and removes each liner member from within the pants through a foot exit opening thereof.