Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Woman in a suit rides the bus for her work commute.

Disability Income Insurance

​Unlike health insurance that only helps pay for medical bills, disability protection can replace some of your income if you’re unable to work. Find out how M&T Securities, Inc. can help.




How It Works

Many people understand the importance of a life insurance policy, but did you know that during your working years the probability of suffering a disability is higher than the probability of dying? Studies show that a 20-year-old worker has a 1-in-4 chance of becoming disabled before reaching full retirement age.DIS-179-DIS Disability protection provides you with guaranteedDIS-96-DIS long-term income that can help with mortgage payments, car payments and household expenses, should you be faced with a disability that prevents you from working.

Things to Consider

If you're thinking about buying disability income insurance, there are a few factors that should be considered regarding policy type and how a policy is priced. Our insurance specialists can walk you through these considerations in more detail.

Waiting Period

Your disability income policy will have a waiting period, which is a period of time that must elapse after a disability occurs, but before benefits begin. You can purchase policies with different waiting periods. Typically, the longer the waiting period, the less expensive the policy.

Type of Disability

Some policies will cover you for partial disability, others only for total disability. The definition of disability will vary from policy to policy. You must meet the definition of disability as it is set forth in your contract to be eligible to collect benefits.

Your Occupation

You can purchase either occupational or non-occupational coverage:

  • Occupational policies cover work-related and non-work-related injuries or illnesses
  • Non-occupational policies cover only injuries or illnesses that are not work-related

The cost of occupational coverage will be higher if you work in a "high-risk" environment, such as using heavy machinery.

Length of the Benefit Period

The benefit period is the maximum length of time that disability income benefits will be paid to the insured for each new disability. Short-term policies provide benefits for up to two years, while long-term policies may pay lifetime benefits – the longer the benefit period, the higher the cost of the policy.

Your Age

Generally, the cost of insurance coverage increases as you get older.