Meet our Leadership Team.

Get to know our organization.

We are honored to have a distinguished board of trustees with exceptional experience in health care and senior living at Covenant Living Communities and Services.

The executive leadership team and board of directors are committed to the strategic vision of assisting and meeting the needs of future generations of residents and staff.

Terri Cunliffe
President and CEO

Terri began her career with Covenant Living in 1988 as administrator of the Assisted Living facility at Covenant Living of Florida. She became responsible for the health care center in 1992, and in June 1996 was named campus administrator of Covenant Living of Florida. Her extensive health care experience proved beneficial as Covenant Living leadership recognized a need for more directed emphasis on health and wellness issues. She was named Associate Vice President of Health and Wellness in August 2000 and Vice President of Health and Wellness in January 2004. In March 2010, she became Executive Vice President, with responsibility for campus operations, health and wellness and LifeConnect®. Her title was changed to Chief Operating Officer in 2014.

Terri graduated from the University of Minnesota with a degree in long-term care administration. As part of her undergraduate experience, she served an internship at Colonial Acres on the Covenant Living of Golden Valley campus. She has a master’s degree in health services administration from Nova University in Fort Lauderdale, FL. Terri and her husband Dave live in Boca Raton, Florida, and worship at the Community Christian Church in Tamarac.

David Erickson
Sr. Vice President and General Counsel

After having served almost 15 years as an outside legal consultant to Covenant Living, David joined the Covenant Living leadership team in February 2008. He also served as a Management Leadership Trainee and Marketing Representative for Covenant Living of Northbrook, Covenant Living at Mount Miguel, Covenant Living of Florida, The Samarkand and Covenant Living of Golden Valley. As Covenant Livings’s Senior Vice President and General Counsel, David serves as the legal advisor for the organization and handles matters including fair housing, resident contracts, regulatory matters, development and acquisitions and community benefits. He oversees risk management and is the corporate compliance and privacy officer, assuring Covenant Living practices meet regulatory guidelines. He also collaborates with outside attorneys when specialists are required.

Prior to joining Covenant Living in 2008, David worked in a private practice that served Covenant Living along with other retirement communities and nonprofit organizations. He is a graduate of Bethel University and received his law degree from Kent College of Law in Chicago.

David and his wife Judy live in Northbrook and worship at Deer Grove Covenant Church. They have two young daughters, Emily and Molly.

Randal "Randy" Gross
Vice President of Support Services

Randy joined Covenant Living as Director of Facilities at Windsor Park in February 2011. In May 2012, he was named Covenant Living’s Vice President of Facilities Management, and is responsible for managing Covenant Living’s assets. He also develops standards in housekeeping and apartment finishes, and works closely with Covenant Living’s campus leaders on managing capital to address maintenance.

After earning a Bachelor of Science degree in civil engineering technology from Southern Illinois University, Randy worked for United Parcel Service, overseeing environmental compliance, project management, facility maintenance and housekeeping for several distribution facilities. He was also a project engineer at the Decatur Airport, project manager for the Rockford air hub, and plant manager for several Chicago area transportation hubs. He later worked at Cardinal Health as a systems technology manager, and at the Chicago Zoological Society where he managed several work groups.

Randy, his wife Patti, and three children, Rachel, Marty and Tommy, live in Arlington Heights and are active members at St Edna’s Catholic Church. Randy has been chair of the annual picnic where he helps coordinate over 100 volunteers to manage the event and assist in fundraising for the church. 

Jay Hibbard
Sr. Vice President of Sales, Marketing & Communications

In September 2016, Jay joined Covenant Living as Senior Vice President of Sales, Marketing and Communications. Jay has extensive experience with sales training and management as well as marketing strategy and execution, having worked with more than 20 CCRCs across the country. He also brings the unique perspective of serving on the board of directors of Shell Point Retirement Community, Ft Myers, FL.

After graduating from Liberty University with a degree in Communications, Jay worked for The Ward Group, a Washington, DC, public relations firm. He began his senior living career at The Pines at Whiting, then became Director of Sales for ACTS Retirement-Life Communities. Jay next served as Vice President of Sales for Spectrum Consulting, then joined Martino & Binzer (now Bluespire Senior Living), a senior living marketing and communications firm.

Jay lives in Chesapeake, VA, with his wife Karen and children Gretchen (16) and Nicholas (11). They are very active in the Great Bridge Presbyterian Church and lead a small group. Karen is also very active in her charity work with Living Waters of the World, a global clean-water initiative, as well as serving on the board of St. Mary’s Home for Disabled Children.

Michelle Kozloski
Vice President of Human Resources

Michelle joined Covenant Living in 2015. She is responsible for organization strategy, talent management, recruitment and onboarding, training and development, compensation and benefits.

Michelle began her career at Marshall Field’s in Chicago in buying and management positions. She later joined Kraft Foods, Inc. as a staffing manager, and soon took on a variety of senior human resources roles. After leaving Kraft in 2009, Michelle formed her own business and provided human resources consulting services, primarily to non-profit organizations. In 2011, Michelle joined Dairy Management, Inc., a non-profit with a national organization and 17 local dairy groups, and provided overall human resources services.

Michelle and her husband, Tom, live in Glenview. They have a son, Will, who attends New York University and two high school-aged daughters, Sydney and Taylor. They are active members of Our Lady of Perpetual Help in Glenview, where Michelle has served as the School Board President, a Parish Finance Council member, and a Women’s Guild member. She is currently a formation team member for the Christ Renews His Parish ministry.

Elizabeth McLaren
Vice President of Health Services Strategy, Programming & Integration

Elizabeth McLaren joined the Covenant Living leadership team in August 2009 as the National Director of Healthcare, overseeing third party billing and providing support for Covenant Living healthcare communities. Her responsibilities expanded to more direct involvement in the skilled nursing and assisted living facilities, and in 2018, she was named Vice President of Health Services Strategy, Programming & Integration. Prior to coming to Covenant Living, Elizabeth served as a consultant to Covenant Living through Frost, Ruttenberg & Rothblatt (FR&R).

A leader at the national level in the healthcare industry, Elizabeth is a member of the LeadingAge Illinois Skilled Nursing Facility Cabinet. She also is on the American Healthcare Association (AHCA) not-for-profit provider council and the healthcare provider billing advocate committee. In 2011, Elizabeth authored “Long-Term Skilled Services: Applying Medicare's Rules to Clinical Practice,” a book that is considered a seminal resource for those involved in Medicare billing.

Elizabeth has two young daughters, and she and her husband live in Round Lake, Illinois. The family is actively involved in the life of St. Bede’s Catholic Church in Ingleside, Illinois.

Francis "Fran" Palma
Sr. Vice President of Digital Strategies

Fran joined Covenant Living in September 2016 as Senior Vice President for Digital Strategies. In his previous position, he had managed Covenant Living’s corporate campus websites and digital marketing strategies since 2013.

With a degree in Psychology and an interest in Computer Science, Fran began his career in 1995, splitting his time between social work and building eldercare databases and providing online marketing. In 1999, he started an online advertising department for Partner Communications, and four years later moved to a marketing agency called Creative Energy. In 2004, he joined Martino & Binzer (now Bluespire Senior Living), to establish a digital department. He worked with more than 100 senior living organizations, providing strategic marketing planning, direction and execution. He developed several marketing technology platforms, and frequently speaks at senior living conferences on digital and traditional marketing, lead generation and analytics.

Fran and his wife, Jennifer, live on Lake Pocotopaug in East Hampton, CT. They have a son, Ethan (13) and daughters, Lauren (8) and Charlotte (6) with two dogs, three fish and a cat.

Bill Rabe
Sr. Vice President, Enterprise Operations / Chief Information Officer

Bill joined Covenant Living in December 2016 as Chief Information Officer following six months as the CIO consultant to Covenant. Prior to joining Covenant, Bill worked at ACE Hardware Corporation for 15 years where he held several leadership positions managing infrastructure from client devices to datacenters across 5,000 retail stores and 15 warehouses, and a budget in excess of $10 million. Throughout his time at ACE he was directly responsible for the implementation of several key and cost-saving initiatives including supply chain, datacenter consolidations, moving services to the cloud, and telecomm consolidation across distribution and retail stores. After leaving ACE Bill provided CIO services to several organizations across multiple industries. As a consultant, Bill developed and presented IT strategies, roadmaps, and comprehensive budget plans to align with business needs for his clients and their board members. Bill lives in Plainfield, Illinois, he and his family are active members at Holy Family Catholic Church in Shorewood.

James Torrible
Vice President of Philanthropy

James Torrible joined the Covenant Living leadership team in July 2019. In his role at Covenant Living, James is responsible for the strategic oversight of all aspects of charitable giving throughout the organization, for providing executive leadership for the Directors of Philanthropy at Covenant Living communities across the country. He is also charged with the strategic leadership for the Covenant Living Foundation. As a certified fund-raising executive (CFRE), James comes to Covenant Living with a depth of fundraising experience leading comprehensive fundraising teams in higher education and healthcare, with an emphasis on team development, donor cultivation, committee and board management, capital campaigns, planned giving, and national fundraising strategies.

James graduated from the University of North Carolina at Chapel Hill where he met his wife, Tricia. He began his career in pharmaceutical sales.  However, after several mission trips to Haiti with Mission of Hope Haiti, he was asked to join their organization to build out and lead the fundraising strategy as Director of Development. Upon leaving MOH, James went to work for Wake Forest University. As the Regional Director of Development for the Mid-Atlantic, James implemented strategic regional plans across all university fundraising units and was instrumental in the success of their $600 million comprehensive campaign - WakeWill. After completion of the campaign, James was recruited by Novant Health Healthcare System as the Chief Development Officer for the Forsyth Medical Center Foundation.  At Novant Health, James led a foundation with assets over $70 million supporting a complex and multifaceted healthcare system.

James and Tricia live in Clemmons, North Carolina with their three kids, Grayson, Kaylen, and Mathis.  They are members of Redeemer Presbyterian Church where they both volunteer in the children’s ministry, serve on the hospitality team, and lead a small group they host in their home. James serves on the Board of Directors for Redeemer School and Allegacy Federal Credit Union.

To learn more about our communities, please click here to contact us online or call us at (773) 878-2294.