Authorities say the victim cashed the winning ticket at a Valero gas station in Riverside in March.
Two of the suspects were working there at the time.
Police say they gave the victim a fraction of the ticket's worth, about $774, then cashed it themselves elsewhere.
The victim, Marvin Choy Nij, was a 28-year-old construction worker from Guatemala who didn't speak or write English.
Suffolk District Attorney Tom Spota says Orhan Ozturk, his brother Yunis and Yalcin Nergiz cashed the winning ticket at the lottery's Garden City customer service center.
He says the three gave themselves $48,000 each after taxes.
The suspects are being held without bail.