Reliance Standard recommended Advocator, do I have to pay their fee out of pocket?

I had a really bad accident and got short and longterm disability from Reliance without many problems. Maybe because I work for a real big company. When I got read to sign up for Soc Secuirty disability, Reliance recommended Advocators. Advocators promised me in their signup letter they’d get their 25% fee from Matrix and I wouldn’t have to pay. A friend later looked at my fees **agreements** with Matrix and Advocator that I actually signed. She said there was no agreement from Matrix it would pay Advocator. And documents I signed said that Advocator was going to get the money from Social Security and not Matrix anyway. So I might end up paying advocator out of my own pocket. My friend thinks maybe if social security disability is rejected then Reliance will have a better reason to stop pay me what they are paying now. Is my friend just being paranoid? I don’t see anyone above having these problems. But reading all the other problems I’m starting to have bad feelings about how long it is taking to get my Soc security disability application finished by Advocator. Do I have a problem? If I do, are their any options now that I’ve signed up with advocator? Thanks a lot.