I am a Lifetime All Access Member, since the last patch when I go to claim my allaccess 500 DB reward it stead of saying claim it has the tab saying to add time. I have a few other accounts which I pay yearly and don't have that issue on them.
Just click yes, ignore the add time. They're trying to get you to pay more into the future I assume. Wording is not their strong point.
Wait until you hit the 30+ day mark according to this thread: DB Store Asking for $$$ for Lifetime SUB to get monthly 500 DBC ? | EverQuest Forums (daybreakgames.com)