Low-energy quasiparticle states, arising from scattering by single-particle potentials in d-wave superconductors, are addressed. Via a natural extension of the Andreev approximation, the idea that sign-variations in the superconducting pair-potential lead to such states is extended beyond its original setting of boundary scattering to the broader context of scattering by general single-particle potentials, such as those due to impurities. The index-theoretic origin of these states is exhibited via a simple connection with Wittens supersymmetric quantum-mechanical model.