If the person entitled to a prize or any winning ticket is under the age of 18 years, and the prize is more than $1,000.00, the commissioner shall direct payment of the prize by transfer to the guardian of the minor of a check or draft payable to the order of the guardian. If less than $1,000.00, the commissioner may direct payment of the prize to the adult member of the minor's family who is legally responsible for the care and custody of the minor. The commissioner shall be discharged of all further liability upon payment of a prize to a minor pursuant to this section.