Force password change on account with nologin

[bill brower]

I'm setting up a secure IMAP server with imaps.
I want to add a bunch of users with /sbin/nologin as their shell.
I want them to make their own passwords on first login.

After making an account for username: test

# chage -d 0 test

That forces the user to change the password on login, but since they
can not login, this happens during an ssh to machine:

$ ssh my-server -l test
test at my-server's password:
You are required to change your password immediately (root enforced)
Your password has expired, the session cannot proceed.
Connection to file-server closed.
$

So, is it possible to set up accounts with /sbin/nologin and force
them to change their passwords securely?

Maybe the whole idea is crazy?

Thanks,
Bill