Sometimes being a rat really pays.

John Franzese Jr. testified for a third day yesterday in the racketeering case against his Colombo-underboss dad, John “Sonny” Franzese, 93, and admitted he’s made over $400,000 in government handouts by backstabbing his old man.

Junior Franzese, a junkie who has admitted to never working an honest day in his life, was pulling down about $100,000 a year from the feds for wearing a wire against his pop — and he still doesn’t work now.

“I’m disabled,” he told defense lawyer, Richard Lind.