Home help after surgery

Hi I'm just wanting to see if anyone has advice on this topic.
I'm going to be having some major knee surgery soon and I have a 15 mo and a 4 yr old.
My surgeon has told me that acc don't pay very much for home help and that I need to start getting my life super organised!
I'm starting to get very anxious about it all. As I know what it's like to be off my feet for weeks let alone having kids in the mix.
we also live rural near a small town so I won't be able to drive to preschool every day.
my husband works an hour away so he won't be able to help.
who has dealt with Acc in this regard??