Born on June 16, 1894, Frances Catherine Murray was the daughter of John Michael Murray (1854-1933), born in Scotland, and his wife, Agnes E. Fagan, born in England. Frances' siblings listed in the 1920 Federal Census were Margaret ("Maggie"), Ellen ("Nellie"), Gertrude, Anna, and Monica. The family lived in Munhall, Allegheny County, in 1920, and Frances, 25, was a trained nurse, employed in a hospital. Two older children not found in the 1920 census were Patrick A. and Agnes.

"Frances C. Murray" is named in a 1922 history of the Pittsburgh Red Cross as a St. Francis graduate and a nurse at the University of Pittsburgh Base Hospital, No. 27 during World War I. She served with the American Expeditionary Forces during World War I, and is named in this article: Nurses Given Great Ovation By Pittsburgh. The Pennsylvania Department of Military Affairs Burial Record indicates that Frances served in the Army Nurse Corp from August 10, 1917 until May 2, 1919.

Frances married Harry E. Betzig, and they were residing in Hempstead, Nassau County, New York in 1930. At that time, they had three sons, Harry, William and Edward. Later, they had a daughter, Mary Hildegarde.

In 1934, Frances applied for compensation for her service in World War I.

Frances Murray Betzig died November 17, 1986 in North Huntingdon, Pennsylvania. She is buried at Calvary Cemetery, Pittsburgh. Her gravestone memorializes her service in the Army Nurse Corps during World War I.