How To Play Cash For Life

5 min readJun 11, 2021

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Cash 4 Life: New Multi-State Lottery Game To Pay $1,000 Per Day — For Life. Cash 4 Life, a new multi-state lottery game, will offer pretty much what the name of the game says it will offer — cash, every day, for the rest of your life. If, that is, you are lucky enough to hit the Cash 4 Life jackpot, which will carry odds of almost 22 million to one.

How To Play Cash For Life Indiana
How To Play Cash For Life Pa
How To Play Cash For Life In Florida

Cash4Life logo.

Cash4Life is an American multi-jurisdictional lottery drawing game; as of July 1, 2019, it is offered by nine 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.

1Rules

Rules[edit]

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]

New Jersey’s Doubler NJ option[edit]

On May 15, 2017, New Jersey added a 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.

Odds and prizes[edit]

MatchesPrizeApproximate odds
of winning
(per $2 play)White Balls
(60)Cash Ball
(4)Base PrizeDoubler NJ51$1,000/Day for Life (or cash option)†‡1: 21,846,04850$1,000/Week for Life (or cash option)†1: 7,282,01641$2,500†$5,000†1: 79,44040$500$1,000†1: 26,48031$100$2001: 1,47130$25$501: 49021$10$201: 8320$4$81: 2811$2$41: 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 an excessive number of winners of a ‘lifetime’ prize tier, such prizes will automatically be paid in cash to each winner.[1] Cash option values (which can change periodically) 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.

Drawings[edit]

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. ET 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]

Two drawing machines are used during each Cash4Life drawing. The larger machine (Magnum II) is used for randomly mixing the 60 white balls by using counter-rotating arms.[7][8] The smaller machine (Messenger Single Digit) mixes the four green Cash Balls by using a clockwise rotating arm.[9][10] 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.[11][12]

As of July 1, 2019, Cash4Life is drawn nightly.[13] Previously, Cash4Life was drawn on Mondays and Thursday evenings.

Participating lotteries[edit]

MembersJoinedAdditional notesFloridaFebruary 17, 2017GeorgiaAugust 29, 2016IndianaSeptember 19, 2016MarylandJanuary 26, 2016New Jersey†June 13, 2014Serves as the flagship lottery for Cash4Life.New York†June 13, 2014Replaced Sweet Million.PennsylvaniaApril 7, 2015VirginiaMay 3, 2015Replaced Decades of Dollars, a multi-state game which ended as a Virginia-only game.TennesseeNovember 1, 2015