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Cash4Life is an American multi-jurisdictional lottery drawing game; as of April 2021, it is offered by ten state lotteries and is drawn nightly. Ticket sales began on June 13, 2014, in New York and New Jersey; the first drawing took place three days later.
Each game costs $2 per drawing. Players pick five white ball numbers from 1 through 60 in the main field, plus one number from 1 through 4 from the second field, the green "Cash Ball". Players also have the option to have the terminal randomly select the numbers in both fields. Matching all five numbers in the main field plus the Cash Ball wins, or shares ("split-prize liability"), the equivalent of $1,000-per-day-for-life, or $7,000,000 cash, at the winner's option. Second prize, however, can have multiple winners of $1,000-per-week-for-life and/or $1,000,000 cash. New Jersey Lottery regulations require that players choose either the annuity or cash option when playing. First- and second-prize winners who chose the annuity option can change to the cash option after winning; however, the cash option is binding and cannot be changed. [1]
On May 15, 2017, New Jersey added an option, called Doubler NJ; it can be added to a Cash4Life ticket for an additional $1 per play. Any non-"for Life" prize is doubled. New Jersey remains the only Cash4Life state with such an option.[ citation needed ]
| Matches | Prize | Approximate odds of winning (per $2 play) | ||
|---|---|---|---|---|
| White Balls (60) | Cash Ball (4) | Base Prize | Doubler NJ | |
| 5 | 1 | $1,000 a Day for Life ($7,000,000 cash)†‡ | 1: 21,846,048 | |
| 5 | 0 | $1,000 a Week for Life ($1,000,000 cash)† | 1: 7,282,016 | |
| 4 | 1 | $2,500† | $5,000† | 1: 79,440 |
| 4 | 0 | $500 | $1,000† | 1: 26,480 |
| 3 | 1 | $100 | $200 | 1: 1,471 |
| 3 | 0 | $25 | $50 | 1: 490 |
| 2 | 1 | $10 | $20 | 1: 83 |
| 2 | 0 | $4 | $8 | 1: 28 |
| 1 | 1 | $2 | $4 | 1: 13 |
The overall odds of winning are approximately 1:7.76. The prize pool is 55 percent of sales. [2]
† The top two annuitized prizes, third prize, and the $1,000 Doubler NJ prize each have a liability limit. If there are multiple winners of the top prize, the prize is divided between the winners. If there are more than 14 top prize winners in the same drawing then the prize will automatically be paid in cash to each winner. If there are more than five second prize winners in the same draw the prize will be awarded in cash and be divided evenly among the winners for that draw. If there are more than the number of winners established in the rules of the game for the third prize and the fourth prize with the “DOUBLER NJ” feature the prize for that category will be distributed based on the amount established in the game’s rules. [1] Cash option values (which can change periodically), as of April 2021, are $7,000,000 for the top prize, and $1,000,000 for second prize.
‡ The top prize is "split-prize liability"; in essence, a non-progressive jackpot.
Winners of either "lifetime" prize tier can receive cash in lieu of the lifetime annuity. Rules also vary by Cash4Life member: a ticket bought in Florida whose winner prefers the cash option must claim within 60 days of the drawing. New Jersey requires the cash/annuity choice be made when purchasing a ticket; a "cash option" choice is legally binding, but an "annuity option" ticket can be changed to the "cash option" when claiming.
The nightly Cash4Life drawings are held live from Studio B (a.k.a. the Cash4Life Studio) at New Jersey Lottery Headquarters at Lawrence Park Complex in Trenton, New Jersey, at 9:00 p.m. Eastern Time on Livestream. [3] Each drawing is supervised by an auditor from Hamilton, New Jersey-based Mercadien P.C., a CPA and Asset Management firm. [4] [5] [6] The drawings were originally hosted by Erica Young, through May 10, 2018. [7] Lauren Berman replaced Young in 2018. The current hostess is Jacqueline Knox, who previously served as a co-hostess since 2014. If she is unavailable, off-camera announcers are used. The practice of using off-camera announcers have been used particularly during the COVID-19 pandemic.
Two drawing machines are used during each Cash4Life drawing. The larger machine (Magnum I) is used for randomly mixing the 60 white balls by using counter-rotating arms. [8] [9] The smaller machine (Messenger Single Digit) mixes the four green Cash Balls by using a clockwise rotating arm. [10] [9] Individually, the five white balls (several seconds apart) followed by the green Cash Ball are drawn; each ball drops through a hole at the bottom of the appropriate mixing drum. The drawing machines are manufactured by Smartplay International of Edgewater Park, New Jersey. [10] [8]
Cash4Life was initially drawn on Monday and Thursday evenings. Beginning July 1, 2019, Cash4Life is drawn nightly. [11]
Ten states currently participate in Cash4Life.
| Members | Joined | Additional notes |
|---|---|---|
| Florida | February 17, 2017 | |
| Georgia | August 29, 2016 | |
| Indiana | September 19, 2016 | |
| Maryland | January 26, 2016 | |
| Missouri [12] | April 11, 2021 | Missouri previously offered Lucky for Life from 2015 to April 8, 2021; it is the only state lottery to offer both "lifetime payout" draw games, although not simultaneously. |
| New Jersey† | June 13, 2014 | Serves as the flagship lottery for Cash4Life. |
| New York† | June 13, 2014 | Replaced Sweet Million. |
| Pennsylvania | April 7, 2015 | |
| Tennessee | November 1, 2015 | |
| Virginia | May 3, 2015 | Replaced Decades of Dollars , a multi-state game which ended as a Virginia-only game. |
† Original member
Cash4Life was also the name of a significantly different game offered from March 30, 1998, to September 7, 2000, by the Multi-State Lottery Association (MUSL). The top prize, $1,000-per-week-for-life (no cash option), was won if the player's primary set of two-digit numbers (00 through 99) matched those drawn. It was offered in Indiana, Iowa, Kansas, Minnesota, Montana, Nebraska, New Hampshire, South Dakota, West Virginia, Wisconsin, and the District of Columbia. [13]
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