There two separate judgments:
At the time of our death we will face our particular (personal) judgment as the following Catechism paragraph teaches:
*1022 Each man receives his eternal retribution in his immortal soul at the very moment of his death, in a particular judgment that refers his life to Christ: either entrance into the blessedness of H**eaven - through a purification or immediately, or immediate
and everlasting damnation. *
Our particular (personal) judgment happens immediately after death, and we live in spirit only until the time when Jesus returns for the final or last judgment (see #2 below).
The final judgment for all souls takes place when Jesus returns, as the following paragraph from the Catechism teaches:
1040 The Last Judgment will come when Christ returns in glory. only the Father knows the day and the hour; only he determines the moment of its coming. Then through his Son Jesus Christ he will pronounce the final word on all history. We shall know the ultimate meaning of the whole work of creation and of the entire economy of salvation and understand the marvelous ways by which his Providence led everything towards its final end. The Last Judgment will reveal that God’s justice triumphs over all the injustices committed by his creatures and that God’s love is stronger than death. The message of the Last Judgment calls men to conversion while God is still giving them “the acceptable time, . . . the day of salvation.” It inspires a holy fear of God and commits them to the justice of the Kingdom of God. It proclaims the “blessed hope” of the Lord’s return, when he will come “to be glorified in his saints, and to be marveled at in all who have believed.”
At the time of the Last/Final judgment, we all shall receive resurected bodies, as the following paragraphs teach:
997 What is “rising”? In death, the separation of the soul from the body, the human body decays and the soul goes to meet God, while awaiting its reunion with its glorified body. God, in his almighty power, will definitively grant incorruptible life to our bodies by reuniting them with our souls, through the power of Jesus’ Resurrection.
998 Who will rise? All the dead will rise, “those who have done good, to the resurrection of life, and those who have done evil, to the resurrection of judgment.” How? Christ is raised with his own body: “See my hands and my feet, that it is I myself”; but he did not return to an earthly life. So, in him, “all of them will rise again with their own bodies which they now bear,” but Christ “will change our lowly body to be like his glorious body,” into a “spiritual body”: But someone will ask, “How are the dead raised? With what kind of body do they come?” You foolish man! What you sow does not come to life unless it dies. And what you sow is not the body which is to be, but a bare kernel. . . .What is sown is perishable, what is raised is imperishable. . . . The dead will be raised imperishable. . . . For this perishable nature must put on the imperishable, and this mortal nature must put on immortality.
*1001 When? Definitively “at the last day,” “at the end of the world.” Indeed, the resurrection of the dead is closely associated with Christ’s Parousia: *For the Lord himself will descend from heaven, with a cry of command, with the archangel’s call, and with the sound of the trumpet of God. And the dead in Christ will rise first.
I hope this helped.