Soak or quick cook beans if using dried. Drain, rinse. Put the beans into a large pot and add enough fresh water to cover by 1 inch. Bring to a simmer, reduce heat, cover, and simmer until the beans are barely tender. 1-1/2 to 2 hours (depending on the age of the beans). Drain and cool.
Mix dressing ingredients in a jar, shake.
Combine beans and vegies, toss with dressing. Serve with tortilla chips or over greens. Can be made ahead and chilled - if using avocado, don't add until serving. 4 servings