Massachusetts’ Final $10 Million Bonanza Prize Was Claimed by a Trust

The last top prize in Massachusetts’ $10,000,000 Bonanza scratch-ticket game has been claimed—and the name attached to the claim is not a person.

Jesus Life Trust of Quincy claimed the $10 million prize this week, with trustee David Spillane representing the trust. The winning $20 ticket was sold at the Mobil station at 785 Gorham Street in Lowell.

The claimant selected a $6.5 million one-time payment before taxes instead of annual installments. The retailer receives a $50,000 selling bonus.

Those numbers make this more than another oversized-check story. The claim offers three useful lessons: privacy rules depend on location, the headline prize may not equal the cash option, and a scratch game changes when its final top prize disappears.

A trust can change the public claim

Massachusetts allows lottery prizes to be claimed through qualifying trusts. The state’s claim guidance tells trust claimants to contact the Lottery’s legal department, and prizes above $100,000 must be claimed at headquarters.

That does not mean every winner in every state can create a trust and vanish from public view. Disclosure laws, eligible trust beneficiaries, signing requirements, and claim procedures vary by jurisdiction. A structure created after the wrong paperwork is signed may not deliver the intended privacy.

The practical move after a major win is to protect the original ticket, say little publicly, and consult qualified legal and tax professionals before claiming. A trust is a legal tool, not a last-minute nickname for the winner.

Ticket Vault can help maintain a digital record of a ticket and its drawing or game. The original physical ticket remains essential, so store it securely and follow the issuing lottery’s instructions.

$10 million and $6.5 million are both real numbers

The prize was advertised at $10 million, but the trust chose $6.5 million in cash before taxes. That is 65% of the headline amount, leaving a $3.5 million difference before tax enters the picture.

The annual-payment option spreads the advertised prize over time. The one-time option provides a smaller amount now. Neither choice is automatically right for every winner. Age, spending discipline, investment plans, estate planning, and tax circumstances all matter.

Before treating a headline prize like a bank balance, use LuckMaker’s Lottery Tax Calculator. It provides a planning estimate, not personal tax advice, but it makes the gap between the prize graphic and usable money harder to ignore.

“Final top prize” changes the game

Lottery officials described this as the third and final $10 million prize in the game. Once that ticket was claimed, no $10 million top prizes remained.

That is a crucial distinction between scratch tickets and draw games. A draw game starts with a new random drawing each time. A scratch game begins with a fixed printed inventory and prize pool. As tickets sell and prizes are claimed, the remaining prize mix changes.

Printed overall odds describe the game’s original structure. They do not promise that the top prize is still available at the store today. Players should check the official lottery’s current remaining-prize list before buying and remember that reporting can lag behind a sale or claim.

For broader comparisons, check the LuckMaker Score at luckmaker3000.com/games. Our proprietary 0–100 game rating compares ticket price, odds, prize structure, jackpot size, and current conditions. LuckMaker covers 98 games across 25 U.S. states and 9 international markets, helping players look beyond the largest number printed on a ticket.

The retailer’s win matters too

The Lowell Mobil station earns $50,000 for selling the winning ticket. That bonus equals 0.5% of the advertised prize and shows why lottery wins often become local business stories.

The bonus does not come out of the winner’s stated prize. It rewards the retailer and gives the lottery another verified location to publicize. It also does not make that store luckier for the next customer. The winning ticket is gone, and a past sale cannot influence the next independent ticket.

For draw games, LuckMaker’s Lucky Number Generator creates clean combinations without birthdays or visual patterns driving the choice. It cannot predict a random result. After the drawing, check the latest lottery results and keep every ticket organized in Ticket Vault until it has been verified.

The Bonanza claim is exciting because someone secured a life-changing prize. Its lasting lesson is more practical: know who may appear on the claim, compare cash with installments, calculate taxes, and confirm that a scratch game still has the prize you are buying it to chase.