Let J=rad(R), J′=rad(S), and I=(J0MJ′). It is routine to check that I is an ideal of T, with T/I∼R/J×S/J′. The latter ring is J-semisimple, so we have rad(T)⊆I. This will be an equality, as asserted, if we can show that 1+I⊆U(T). Now any element of 1+I has the form (u0mv), where m∈M, u∈U(R), and v∈U(S). This is indeed in U(T), since it has inverse (u−10−u−1mv−1v−1).