Indeed that is a dilemma... I cant give you any advice on workmans comp but, I like Jo's advice. You mention that two of your children drive, so they are old enough to help out. Maybe make a list of chores that each child will be responsable for while you recover.

Everyone heals differently after this surgery, just dont try to over do it. I think you will know and feel your limitations and will be back up and at it soon.

Best of luck!