The Bible teaches believers will be judged as the judgment seat of Christ which happens at His coming, which is when the first resurrection, that of the just, takes place, which i see as the rapture, and there they will be rewarded according to their manner of work, gaining rewards or suffering shame and loss and the grievous displeasure of the Lord (not the it is necessarily one or the other, as one may have some of both, and must overall have a faith that effects works).
The GWTJ of Rv. 20:11-15 is where the lost are rewarded according to their manner of work, as while all lost are damned and in Hell, there are different degrees of suffering in the lake of fire which hell is tossed into. (Lk. 10:12-14; 12:48; Rv. 20:11-15)
"Therefore judge nothing before the time, until the Lord come, who both will bring to light the hidden things of darkness, and will make manifest the counsels of the hearts: and then shall every man have praise of God. " (1 Corinthians 4:5)
"That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ: " (1 Peter 1:7)
"And when the chief Shepherd shall appear, ye shall receive a crown of glory that fadeth not away. " (1 Peter 5:4)
"Henceforth there is laid up for me a crown of righteousness, which the Lord, the righteous judge, shall give me at that day: and not to me only, but unto all them also that love his appearing. " (2 Timothy 4:8)
"And now, little children, abide in him; that, when he shall appear, we may have confidence, and not be ashamed before him at his coming. " (1 John 2:28)
"And the nations were angry, and thy wrath is come, and the time of the dead, that they should be judged, and that thou shouldest give reward unto thy servants the prophets, and to the saints, and them that fear thy name, small and great; and shouldest destroy them which destroy the earth. " (Revelation 11:18)
This is contrary to anyone being already crowned and reigning in Heaven (though they are with the Lord) or believers enduring purifying torment commencing at death. See here on 1 Cor. 3:15ff.
[Going further into eschatology, the Bible teaches that the resurrected/raptured saints (who have part in the first resurrection - the resurrection of life:” Jn. 5:29a) will return with the LORD from Heaven to execute judgment, and to reign with with Him for the 1,000 year millennium. (Rv. 2:27; 19:15; 20:6 - and during which the Jews shall be tested): “And Enoch also, the seventh from Adam, prophesied of these, saying, Behold, the Lord cometh with ten thousands of his saints, To execute judgment upon all, and to convince all that are ungodly among them of all their ungodly deeds which they have ungodly committed, and of all their hard speeches which ungodly sinners have spoken against him." (Jude 1:14-15; cf. Mal. 3:18; Mt 16:27; 19:28; Mt 24:30,31; 25:31; Lk. 22:20; 2Th 1:7,8; Re 1:7; 5:10; 19:6-20; 20:4) “Then shall the righteous shine forth as the sun in the kingdom of their Father.” (Mt. 13:43) And as stars differs from one another in glory, (1Cor. 15:41) it is not unreasonable to suppose that some saints might shine brighter than another for eternity (with all rejoicing in that), depending upon how single their eye was on earth, (Mt. 6:22) and how they responded to the light and grace they received. (Lk. 12:48)]
Some folks think this differently: IIRC