I believe this passage is poorly translated. To understand it properly we need to look at the entire context. In context Paul is speaking of the resurrection not an intermediate state. If we go back to chapter 4 we find this.
10 Always bearing about in the body the dying of the Lord Jesus, that the life also of Jesus might be made manifest in our body. 11 For we which live are alway delivered unto death for Jesus’ sake, that the life also of Jesus might be made manifest in our mortal flesh. 12 So then death worketh in us, but life in you. 13 We having the same spirit of faith, according as it is written, I believed, and therefore have I spoken; we also believe, and therefore speak; 14 Knowing that he which raised up the Lord Jesus shall raise up us also by Jesus, and shall present us with you. 15 For all things are for your sakes, that the abundant grace might through the thanksgiving of many redound to the glory of God. 16 For which cause we faint not; but though our outward man perish, yet the inward man is renewed day by day. 17 For our light affliction, which is but for a moment, worketh for us a far more exceeding and eternal weight of glory; 18 While we look not at the things which are seen, but at the things which are not seen: for the things which are seen are temporal; but the things which are not seen are eternal.
(KJV 2 Co 4:10–18)
This is previous to the passage you mentioned. He's referencing the resurrection. Dying in the body that the life of Jesus might be manifest in our body. He continues with this line of reasoning.
For we know that if our earthly house of this tabernacle were dissolved, we have a building of God, an house not made with hands, eternal in the heavens
The Holy Bible: King James Version 2 Co 5:1.
In this verse many people think Paul is talking about bodies, an earthly body and a heavenly body. However, he's not. Paul often talks in concepts. Consider Galatians 3 where Sarah and Hagar represent the two covenants. What Paul is speaking of here is two different states of being, mortal and immortal. This will be seen shortly.
2 For in this we groan, earnestly desiring to be clothed upon with our house which is from heaven:
The Holy Bible: King James Version, 2 Co 5:1–2.
Here he speaks of a desire to be "clothed" with the house from heaven (immortality)
3 If so be that being clothed we shall not be found naked.
The Holy Bible: King James Version, 2 Co 5:3.
He spoke of being clothed with the house from heaven (immortality). He opposes that to being found naked.
4 For we that are in this tabernacle do groan, being burdened: not for that we would be unclothed, but clothed upon, that mortality might be swallowed up of life.
The Holy Bible: King James Version, 2 Co 5:4.
Here again he expresses that desire to "clothed" upon. Notice he doesn't want to be unclothed, but clothed upon. To understand what he means here we need some historical information about this church. The church in Corinth was right next to Athens. Athens was the center of Greek Philosophy and thought. The primary belief among the pagans in this region in Paul's day was that of Plato. Plato taught that man was immortal. He taught that the flesh was inherently evil and that the goal of man, who he claimed had an immortal spirit, was to escape the flesh and ascend through the heavens to the Ploroma (fulness), essentially the ultimate God. Because they believed the flesh was evil the idea of resurrection was rejected. They would want no part of returning to a body that they believed was inherently evil. That's why Paul said the Gospel was foolishness to the Greeks. It was because of resurrection.
But we preach Christ crucified, unto the Jews a stumblingblock, and unto the Greeks foolishness; (1 Cor. 1:23 KJV)
The church at Corinth was primarily gentile and this rejection of the resurrection was entering into it.
12 Now if Christ be preached that he rose from the dead, how say some among you that there is no resurrection of the dead? (1 Cor. 15:12 KJV)
This is what Paul is addressing. The goal of the Greeks was to shed the body. Paul equates this with, being found naked. He says he doesn't want to be found naked. In other words, He's not looking to shed his body. He doesn't want to be found unclothed, naked, (shed the body), but rather, "clothed upon". The Greek word he uses here means, to put on over. Like one would put on a coat over their clothes. What he's saying is that he wants to put on that heavenly building of God, the immortal state, over his earthly house, mortality. He makes this clear in his next statement where he says, that mortality may be swallowed up of life. Mortality is the mortal state. Life is eternal life, the resurrection, the immortal state. He wants his current mortality to be swallowed up by immortality.
So, He's actually arguing against the very thing many use this passage to try to prove. That being that man can leave the body. That's what the Greeks wanted. Paul says, no. I don't want that. He's saying he wants his mortal body to become immortal. That happens at the resurrection.
Now we move on to the passage in question.
6 Therefore we are always confident, knowing that, whilst we are at home in the body, we are absent from the Lord: 7 (For we walk by faith, not by sight
8 We are confident, I say, and willing rather to be absent from the body, and to be present with the Lord.
The Holy Bible: King James Version, 2 Co 5:5–8.
The key words in this passage are, absent, present, and body. Many read this as though Paul is saying if a persons ghost is absent from their body it is present with the Lord. However, we just saw that Paul didn't want that. He didn't want to leave the body. The first thing to point out is that Paul is stating a desire, not a theological fact. Now we need to look at these key words. The word translated Absent is
ekdemeo. It carries the idea of going abroad, to emigrate, or to live abroad. The word translated present is
endemeo. It means to be among one's own people or to be in one's own country. From this the translators get absent and present. The last word is soma and it means body. So lets look at passage again with these definitions in mind.
While we are
among our own people (enemeo) present, at home, in the body we are away from our own people (ekdemeo) absent from the Lord.
Lets consider this. The word translated present means to be among one's own people. The word translated absent means to go abroad, at which point one is away from one's people. We can see from there two words that there is nothing that indicates a disembodied being. They simply mean to be with or away from one's home or people. So where does this idea of a disembodied being come from? There's only one key word left. That's body. Because the passage is translated present and absent from the body, people who believe that man can depart the body naturally see their belief in this passage. However, let's consider what Paul was saying earlier. Remember, Paul often uses figures. For mortality and immortality he used the images of an earthly house and a heavenly one. When speaking of the resurrection he used clothed and unclothed. So, maybe the word "body" here isn't referring to his physical body.
Lets think about this some more. Endemeo, present, meant to be with one's own people. Who were Paul's own people? Was it not Christians? Was is not "The Church"? We know these were Paul's people. What did Paul call his people at times? The body. As a matter of fact he called these very people, the body of Christ.
Now ye are the body of Christ, and members in particular. (1 Cor. 12:27 KJV)
For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ: (Eph. 4:12 KJV)
15 But speaking the truth in love, may grow up into him in all things,
which is the head, even Christ:
16 From whom
the whole body fitly joined together and compacted by that which every joint supplieth, according to the effectual working in the measure of every part, maketh increase of
the body unto the edifying of itself in love. (Eph. 4:15-16 KJV)
Paul refers to the church as the body. Does that fit with the idea of endemeo and ekdemeo, being with one's people and going abroad? Sure it does. So how can we read verse 8? Remember Paul is stating a desire.
We are confident, I say, and willing, rather to be away from our own people, the church, and to be present with our own people, the Lord. He's simply saying he'd rather be with the Lord than with the church. That's his desire. Why? What did he say earlier? When he's with the Lord it's the resurrection. He will have his home from heaven, immortality, healing, and all the other great promises that come with it.