A judge denied a 94-year-old woman's attempt to force the Massachusetts Lottery Commission to pay her entire $5. 6 million Megabucks jackpot upfront on grounds she otherwise won't...

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BOSTON — A judge denied a 94-year-old woman’s attempt to force the Massachusetts Lottery Commission to pay her entire $5.6 million Megabucks jackpot upfront on grounds she otherwise won’t live long enough to collect it all.

The ruling means the commission can pay Louise Outing, a retired waitress, over 20 years in annual installments worth about $200,000 after taxes.

“I expected that,” Outing said yesterday after the ruling. “I’ll make out some kind of way.”

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Superior Court Justice Barbara Dortch-Okara said Outing, of Everett, was not harmed by the commission’s disbursement rules. Lottery winners are allowed to “assign” winnings to a state-approved financial company that makes the full payment — in return for a percentage of the total winnings.

Outing’s lawyer, James Dilday, said that’s an option if they decide not to appeal. He maintained the rules give lottery officials discretion to authorize a lump-sum payment.