  Circumstellar disks are expected to be the birthplaces of planets. The
potential for forming one or more planets of various masses is essentially
driven by the initial mass of the disks. We present and analyze Herschel/PACS
observations of disk-bearing M-type stars that belong to the young ~2 Myr old
Chamaleon-I star forming region. We used the radiative transfer code RADMC to
successfully model the SED of 17 M-type stars detected at PACS wavelengths. We
first discuss the relatively low detection rates of M5 and later spectral type
stars with respect to the PACS sensitivity, and argue their disks masses, or
flaring indices, are likely to be low. For M0 to M3 stars, we find a relatively
broad range of disk masses, scale heights, and flaring indices. Via a
parametrization of dust stratification, we can reproduce the peak fluxes of the
10 $\mu$m emission feature observed with Spitzer/IRS, and find that disks
around M-type stars may display signs of dust sedimentation. The Herschel/PACS
observations of low-mass stars in Cha-I provide new constraints on their disk
properties, overall suggesting that disk parameters for early M-type stars are
comparable to those for more massive stars (e.g., comparable scale height and
flaring angles). However, regions of the disks emitting at about 100 $\mu$m may
still be in the optically thick regime, preventing direct determination of disk
masses. Thus the modeled disk masses should be considered as lower limits.
Still, we are able to extend the wavelength coverage of SED models and start
characterizing effects such as dust sedimentation, an effort leading the way
towards ALMA observations of these low-mass stars.
