Why does the system prompt "Your account has expired; please contact your system administrator"

Issue

When login to a non-privileged account whose password is expired, the system prompts:

Your account has expired; please contact your system administrator

However, the account is not expired according to chage -l on the account:

# chage -l user
Last password change                                    : Jul 27, 2010
Password expires                                        : Jul 30, 2010
Password inactive                                       : Aug 02, 2010
Account expires                                         : never
Minimum number of days between password change          : 0
Maximum number of days between password change          : 3
Number of days of warning before password expires       : 7

There seems to be a logic bug here. The account is not expired and is not locked. The correct behaviour here would be to have the system say "Your password is expired, you must change it now" and then make me go through the password change process. Instead, the system is treating the ACCOUNT has having expired, which it is not.