I believe the use of ladder operators is possible in a surprisingly large
number of cases...
Start with the dynamical algebra -- the Heisenberg/oscillator
algebra for the SHO case here, SO(4,2) for the non-rel H atom, etc.
The prescription relies on having some kind of ground state which
is invariant under the Hamiltonian. Then find which generators
commute with the Hamiltonian, these are sometimes called the
"symmetry" generators. Then look at the remaining generators
which don't commute with the Hamiltonian.
In the SHO case, the only generator that commutes with the
Hamiltonian is the central element [itex]1[/itex]. The other generators
[itex]a, a^*[/itex] satisfy relations like [itex][a,H] \propto -a[/itex] and [itex][a^*,H] \propto a^*[/itex].
I.e., the action of the Hamiltonian doesn't mix up the two generators [itex]a, a^*[/itex].
That's the crucial bit for getting the ladder behaviour wrt the eigenvalues of the Hamiltonian. (Exercise.)
A similar thing happens when calculating the unitary irreducible
representations of SO(3), i.e., the angular momentum spectrum.
One takes [itex]J^2, J_z[/itex] as a maximal set of mutually commuting generators,
and then notes that the combinations [itex]J_+ := J_x + iJ_y[/itex] and [itex]J_- := J_x - iJ_y[/itex]
satisfy commutation relations like
[tex]
[J_z, J_+] ~=~ J_+ ~~~;~~~~~~<br />
[J_z, J_-] ~=~ -J_- ~~~;~~~~~~<br />
[J_+, J_-] ~=~ 2J_z[/tex]
These are what makes [itex]J_+, J_-[/itex] useful as operators for
raising and lowering the usual "m" eigenvalue of [itex]J_z[/itex].
Similar magic in many other dynamical groups makes possible a theory
of generalized coherent states. The cases mentioned above underpin
ordinary (Glauber) coherent states and spin-coherent states respectively.
But coherent states are known for heaps of other groups.
HTH.