Fern B. Ratliff, 87 of Elkhorn City, KY passed away Monday, February 21, 2022, at her residence. Fern was a homemaker and a member of the Elkhorn City Baptist Church. She was born July 21, 1934, at Belcher, KY to the late William “Butch” Belcher and Elizabeth “Elsie” Looney Belcher. In addition to her parents, Fern was preceded in death by her husband, Paul V. Ratliff, a son, Paul Bruce Ratliff, five brothers, Estil, Ralph, Jack, Herbert Gary, and Charles Belcher, and three sisters, Margie Stanley, Elmo Mullins, and Faye Branham. Fern is survived by two sons, William Michael Ratliff of Ashcamp, KY and Brian (Katina) Ratliff of Elkhorn City, KY; a daughter, Marsha Ratliff of Elkhorn City, KY; four grandchildren, Sarah Ratliff, Lance Ratliff, Justin Ratliff, and Josh Ratliff; and four great-grandchildren, Ryan Ratliff, Cole Ratliff, Brody Ratliff, and Ealin Ratliff. Visitation will be from 6-10 PM Thursday, February 24, and Friday, February 25, 2022, at the Bailey Funeral Home Chapel with a service Friday evening at 7 PM. Funeral services will be held Saturday, February 26, 2022, at 11 AM from the chapel with Aaron Butler and Jim Ed Belcher officiating. Burial will follow at Dow Brooks Cemetery, Draffin, KY.