When Loreta Epling was born on 6 February 1933, in West Virginia, United States, her father, Willard Elbert Epling, was 41 and her mother, Thurza Mae Dillard, was 44. She married Elmer Willard Chadwell on 3 June 1950, in Tennessee, United States. They were the parents of at least 1 son. She lived in Cabin Creek Magisterial District, Kanawha, West Virginia, United States in 1940. She died on 29 October 2009, in Franklin, Williamson, Tennessee, United States, at the age of 76, and was buried in Franklin, Williamson, Tennessee, United States.