In most cases your SSL is working correctly, however you may not be able to determine this because of the use of frames.
In order to ensure that your SSL certificate is working correctly navigate to your home page, or to any other page that is not using frames, and change the HTTP:// to HTTPS:// in your address bar. If you are able to see the padlock symbol in the lower corner of the browser then you know that your SSL certificate is working correctly.
When using frames it is possible to include a frame from an unsecured web site. This is the reason that you're not able to see the padlock symbol when using frames on your web page. In many cases the reason someone may use frames is to hide the URL of the included web site. Depending on your situation it may be possible to do this by using JavaScript to turn off the address bar.