Judgment again on the last day?

You are correct in stating that a person’s death is a personal judgment day.  When Jesus returns visibly on the last day, he will separate all humanity into two groups:  his believers (sheep) and unbelievers (goats) (Matthew 25:31-46).  By doing that, Jesus will make public what judgment took place at a person’s death, and he will also render a verdict on those who are alive at his return.

So in the case of those who died prior to the last day, it is not a matter of being judged again.  It is a matter of Jesus publicly pronouncing, and supplying the evidence for, the judgment that took place at death.

How wonderful it is to know our verdict ahead of time!  “Therefore, there is now no condemnation for those who are in Christ Jesus” (Romans 8:1).  “Now there is in store for me the crown of righteousness, which the Lord, the righteous Judge, will award to me on that day—and not only to me, but also to all who have longed for his appearing” (2 Timothy 4:8).