As someone has already pointed out, this forum is not intended (and shouldn't be used) to comment on or participate in individuals' therapies and relationships with their therapists. Having said that, Da 'Puter, Just Ben, et al., are right. You have three obvious and appropriate options and it seems odd that you are not using them (but rather are chewing the fat with strangers):

(1) Talk to your therapist about it. That's part of therapy and it's probably encouraged by the therapist. I am at a loss to see why you haven't done this or are coming to a forum to wrestle with why you should do it. If you're not doing talking to your therapist about it, you're not doing your part, and you sound plenty competent to do your part. (2) Check with a faculty member or supervisor in your training program. They're probably a lot more convenient, knowledgeable about your situation, and professionally reliable than a Web forum (even ours) with regard to getting a second opinion or reality check. (3) Check the social work ethical guidelines yourself. It's your field, and you're no doubt somewhere near a social work library.

Until you've done at least one or two of the above things yourself, continue to believe something is amiss, and have your "amiss" impression corroborated by someone you can personally talk with, this is a therapy issue, not an ethical one.