Will we be judged when we die?
I answered "yes" for the following reasons.
There are, in a sense, two stages associated with resurrection (Revelation 20:5-6; Revelation 20:14). The first begins when death separates the soul from the body and the soul comes before God for its personal judgment (Hebrews 9:27; 2 Corinthians 5:8-10; Luke 16:22-23). Yet this is not the full restoration of the human person, because the soul remains apart from the body. The spirit continues to exist while awaiting the future reunion of body and soul, restoring the living temple God created in His image and likeness (Romans 8:23; 1 Corinthians 6:19; Genesis 1:26-27; Philippians 3:20-21).
Because man was created as both body and spirit, death leaves that union temporarily incomplete (Genesis 2:7; 1 Thessalonians 5:23). The final state of every person, whether eternal life in God's kingdom or eternal separation from Him, is ultimately experienced as a complete human being, body and soul together (Matthew 25:34, 41; Colossians 1:12-13; Daniel 12:2).
This helps explain the biblical references to a first and second resurrection (Revelation 20:5-6). Those who have remained spiritually dead through sin come before God in that condition at their personal judgment (Ephesians 2:1-5; 1 Timothy 5:6; John 5:24-25). At the final resurrection they receive their bodies again and enter into the everlasting consequences of that state (John 5:28-29; Daniel 12:2; Revelation 20:12-15).
Those who have sought God and overcome the desires of the flesh come before Him spiritually alive and enter into the blessedness of Paradise (Romans 8:13; Galatians 5:24; Philippians 1:21-23; Luke 23:43). Souls undergoing purification are likewise alive, though still being perfected (1 Corinthians 3:13-15; Wisdom 3:1-6). Once that purification is complete, they enter fully into God's presence (Revelation 21:27; Matthew 5:26).
When the final resurrection occurs, the righteous will be reunited with their bodies, which will be transformed and glorified, sharing fully in the life that Christ Himself possesses (1 Corinthians 15:42-53; Philippians 3:21; 1 John 3:2).
For this reason Scripture speaks of both a first and second death and a first and second resurrection (Revelation 2:11; Revelation 20:5-6, 14; Revelation 21:8). God desires every person to come into eternal possession of the Light, for God Himself is Light (1 John 1:5; John 3:19-21; Deuteronomy 30:19). His grace assists and invites, but each person must freely respond (Philippians 2:12-13; Revelation 3:20; Matthew 23:37).
God remains faithful (2 Timothy 2:13; 1 Corinthians 1:9) and respects the freedom He has given to humanity (Sirach 15:14-17; Joshua 24:15; Galatians 5:13). Because human beings are free, they are accountable for how they use that freedom and are called to choose love, gratitude, and obedience toward God (Deuteronomy 6:5; Sirach 15:11-20; Romans 6:12-13).
For those who persevere in righteousness, an eternal home has been prepared in God's presence, where they may share forever in His blessedness (John 14:2-3; Matthew 25:34; Revelation 21:3-7).
In summary, death is followed by a personal judgment of the soul (Hebrews 9:27; 2 Corinthians 5:10), while the resurrection described in John 5:28-29 takes place later, when body and soul are reunited and all stand before God in their complete humanity.