Soak beans overnight or use quick soak (boil 2 minutes, soak 1 hour), then rinse.
Cook vegetables: In a large pot, heat oil and sauté onion, bell pepper, and celery until soft. Add garlic 1 minute.
Simmer beans: Add beans, ham hock, bay leaf, thyme, paprika, cayenne, and water. Cover and simmer 1.5–2 hours until beans are tender. Shred ham hock and return meat to beans. Season with salt and pepper.
Cook rice: Rinse rice. Boil water with salt, add rice, cover, and cook 18–20 minutes. Fluff with a fork.
Serve: Spoon rice onto plates, ladle beans on top, and garnish with green onions or hot sauce.