tommygun2000,
The hammer needs to ride the carrier at all times since this lowers the hammer (sears, both primary and disco) below the corresponding sears catch points to allow them to engage/function correctly. If you lower the top of hammer pad too much, then the hammer will not be lowered enough to allow the sears to engage.
Now having said that, the top of the hammers firing pin contact pad should glide past the firing pin collar as the carrier moves back forward into the locked position.
If your having problems with the hammer/carrier binding with the hammer retained on the disconnect, then the problem may be that the hammers top edge, or bottom of the carrier is rough (surface friction), the firing pin collar is not flush with the carrier ramp (read a bump that the hammer has to climb past on the way forward, or the tail of the hammer may be too long and the hammer is just getting wedged between the carrier, and back of trigger*.
* If the disconnector spring is installed upside down (the correct install is large coil side goes into the hammer rear slot), it will bind the disco in it's correct movement and this binding will act the same as if the tail of the hammer was too long.