Kydonky, what you wrote is WRONG. ALL INFLATABLE PFDs do not need to be worn to be approved. I have a Suspenders Inflatable PFD that DOES NOT have the statement: APPROVED ONLY WHEN WORN. I have been checked by KYFWD and local gamewardens and have never been cited for not having an approved PFD.

Go to page 41 of the Boating Regulation I linked above and you can see it for yourself.

Grumpy